Thomas Parrott Email & Phone Number

Trenton, Nj, Us

Mercerville, Nj

Driving operational excellence and consistency in Credit Management by leading metro wide initiatives, strategic operational developments, process improvements, and coordinating local execution with the Credit Management Teams.Consulting with and for Southern New Jersey and Pennsylvania on matters that impact the efficient execution of credit management processes and partnering with market credit management leadership to create the cohesive flow of communication, knowledge and understanding. Sharing market perspective in creating consistent cross regional, metro and enterprise processes and best practices while maintaining strong collaborative relationships acting as a liaison between credit management leadership and their partners to address issues.Product Owner for Agile Pod team identifying, developing and implementing enhancements to existing software and processes.

Managed team of Credit Analysts and SBC Loan Officers in completing high quality analysis and appropriate adjudication of Small Business Credit within service level targets. Exercised lending authority on overrides and exceptions within the Small Business Credit Center. Managed team's pipeline of applications to ensure compliance within regulations and terms; coordinating lending activities with others in the SBC, other departments and the Market personnel Developed, organized and performed ongoing training and support of Small Business staff, lenders, RVP's, and Regional Credit Officers in the footprint on new Small Business loan programs, products, procedures, and systems. Trained SBC staff on credit analysis, credit and underwriting policies and customer service. Exercised authority concerning personnel actions including recruiting, performance appraisals, promotions, salary recommendations, corrective action and terminations. Assisted SBC Credit Officer in investigating fraud, troubled debt restructures, and investigating other problem loans.Developed production, charge-off and portfolio maturity tracking logs for use by numerous teams throughout the center. Represented Portfolio Management team during TD Bank integration, performing system testing, procedure writing and subsequent training of the staff.

Utilize prior commercial lending experience to provide assistance, guidance, customer service and presentation of PNC retail commercial banking products to business customers with total revenue <$8 million. Products include commercial loans, depository products, treasury management, merchant services, workplace banking and wealth management. Management of 200+ existing business relationships

Promoted to Assistant Cashier to participate as a lender in the start-up of a new Small Business Lending division. The objective of the Business Banking Group was to provide a rapid approval and documentation process for new small business lending customers, providing outstanding service to new and exiting customers and growing YNB's lending business.Performed detailed lending, underwriting and analysis of commercial loan requests for small business customers (Up to $750,000 Total Credits). Performed portfolio management and form production for new unit within the bank. Helped to introduce/develop policy and procedure for a new credit scoring product including form research and production and technical mapping.Assisted in developing new ACH and Small Business Lending policy.200+ relationships ; $40+ million portfolio

Support of Commercial Lending and Commercial Real Estate Divisions of YNB. Financial ratio/cash flow analysis of customer statements, Loan approval document preparation and underwriting, industry analysis, interest rate monitoring, credit file review and customer credit checks and analysis.

Managed the National Institute of Health/Department of Defense Female Hormone Research study Managed subject procedure scheduling, supervised student trainers, managed staff payroll, analyzed data and reported results and findings

Mba, General Management

Commercial Lending

Bachelors Of Science - Kinesiology

Diploma