Thomas Mcclung Email & Phone Number

Roseville, California, United States

- Underwrites and Coordinates in closings a range of SBA loan structures, property types and difficulty that conforms to bank policy and SBA SOP.- Spreads, manages, and maintains the financial backgrounds of present and prospective customers.- Performs special financial statements analysis involving moderately complex and interlocking relationship.- Assists VP's and SVP's with implementing strategic programs and product development.- Assist with preparation of any reports required from Credit Administration.- Recommend changes to policies, strategies, cost-effectiveness and possibly quality improvement

Beale Afb

• Oversee the documentation of training for the 940th Civil Engineering Squadron (114 personnel) to ensure all members are equipped and qualified for deployment assignments.• Review and approve security questionnaires to grant eligible members with a secret security clearance• Prepare computer-aided drawing and survey details that supports project requirements and determine cost effective estimates.• Operate Geographic Information Systems that create functional geodatabases and allows for accurate spatial analysis.• Direct or participate in surveying to lay out installations and establish reference points, grades, and elevations to guide construction.• Analyze survey reports, maps, drawings, blueprints, aerial photography, and other topographical or geologic data to plan projects.

United States

- Reviews loan submissions for adequacy of information and financials, to verify that application data is complete and meets establishment standards.- Underwrites loan requests up to $10MM of medium-high complexity by preparing credit authorization and detailed credit analysis confirming to and in compliance with bank loan underwriting standards for SBA, USDA, conventional loans.- Works directly with Lenders/Relationship Managers/Borrowers and Brokers to discuss issues, ask questions and make financial and covenant recommendations as necessary.- Review and analyze appraisal assumptions and methodologies; incorporate appraisal information into Bank credit authorization. Evaluates and verifies all collateral on all secured loans and prepares reports of findings.- Works closely with Loan Ops Department to ensure procedures are followed in the closing and funding of the loans.- Provide training, coaching and mentoring to Credit Analysts and Junior Underwriters.

Rancho Cordova, California, United States

• Responsible for the day-to-day administration of the assigned loan portfolio with a focus on monitoring credit risk and quality of the loan portfolio.• Work in conjunction with an assigned Relationship Manager (RM), manage the creation of new credits, spread and analyze financial statements, order and review 3rd party reports, underwrite loans and prepare credit presentations and make credit recommendations for C&I and CRE loans.• Manage the renewal process by engaging with the Client, securing all required financial documents, analyzing financial data to determine the merits of specific loan requests, and making recommendations as to how to structure new & renewing loans.• Monitor loan repayment activities and the financial condition of borrowing clients within the assigned portfolio and assist in taking necessary action to collect past due accounts.• Prepare annual commercial real estate reviews, when needed, and recommend proper risk grades.• Adhere to applicable regulations and policies including but not limited to: Fair Lending, Equal Credit Opportunity, CRA, Flood Insurance, RESPA, HMDA and BSA; as well as the bank's policies, procedures and human resource guidelines.

Roseville, California

• Aids in Pre-flighting new loan inquires from RM’s and BRM to help determine viable loan requests.• Review incoming loan requests for eligibility for government guaranteed loan programs [SBA 7(a), SBA Express, SBA 504, Cal CAP]. Confer with clients and sales team to discuss eligibility and loan structuring options. • Review/spread financial packages for loan requests and inform sales team and clients of bank’s interest in pursuing loan. • Complete annual reviews on existing loan portfolio as assigned as well as reclassification/grading on a timely manner.• Conduct BRM/RM meetings and workshops throughout the bank to train branch employee’s eligibility criteria for SBA loans.• Improve processes and procedures in effort to improve turn times from GGL department.

Auburn Ca

• Analyze financial and related data to determine the general credit worthiness of the prospect and the merits of the loan request. • Oversee/prepare documentation orders. • Assist with the processing of SBA 7a loans and 504 loans.• Maintain monitoring system for the status and progress of all loans in process. • Review loan documents for accuracy to Credit Approval Report and SBA Loan Authorization.• Sell guaranteed portions of all funded SBA 7a loans to the Secondary Market. • Conduct financial reviews on all loans in SBA portfolio to forecast possible future delinquencies.

Rancho Cordova

• Process and assign new worker compensation claims and tasks to all other ACR’s at local location• Train new hires on all tasks and processes of their positions, from answering phone calls to task work.• Issue out payments, process record requests from various agencies, draft settlement documents for judges to review and review documents before mailing.• Assist adjustors by taking phone calls from injured workers, employers, medical providers and attorneys by answering questions and providing information on claims.

Sacramento, California Area

• Maintain Client Database System for over 300 financial clients.• Prepare client financial reports for client meetings.• Process new account paperwork.• Research insurance companies and take client calls to answer questions regarding health insurance and how the “Health Reform Act” may impact them.

Sacramento, California Area

• Developed enduring relationships by providing export guidance for financial security.• Reached out to potential clients to set up meetings.• Sold Accident, Health and Life insurance.

Fairchild Afb, Wa, Raf Welford, United Kingdom, And Beale Afb, Ca

• Munitions Controller - Controlled and tracked work crews, coordinated requirements, acted as a liaison for outside agencies, and provided oversight for safety and security. • Munitions Inspection Department - Inspected munitions at various times for safety and compliance with technical instructions.• Conventional Maintenance Dispatch – Organized schedules, assigned jobs, dispatched work crews to various projects on the Air Force Base.

Bachelor Of Business Administration (Bba), Finance, With A Minor In Risk Management

Activities and Societies: Securities Analyst with Sac State Student Investment Fund, Sac State Financial Management Association

Civil Engineering

Munitions Systems Technology

Associate Of Science (As), Business Administration And Management, General