Todd Sapp, Mba Email & Phone Number

Roswell, Ga, Us

Roswell, Ga, Us

Greater Atlanta Area

Marietta, Georgia

* Generated credit memos, authorization packages, financials spreads, cash flow and other pertinent analysis on a wide range of C&I, CRE, SBA, and more complex consumer loan requests and renewals for lenders at Marietta, Woodstock, Cumberland, Johns Creek, Acworth, Brookhaven, and Century Center offices.* Underwrote credit requests, assessed risk, identified deficiencies and supporting elements, and prompted inquiries to make determinations of creditworthiness that attain highest credit quality and regulatory compliance.* Interfaced with commercial clients as lead contact, partnered in joint calls, shared creative structural solutions, and recommended higher rates/spreads and fees as applicable to bolster bank net interest margins.* Performed SBA underwriting and application process guidance for 7(a) and 504 loans, affected meaningful resolution of FDIC Loss-Share credits, completed real estate appraisal reviews and property evaluations, administered corporate and individual cash flow coverage analysis, timely Borrower risk rating and loan grade adjustments, and ongoing credit file updates.

Atlantic Capital Bank

* Furnished commercial and consumer credit management and underwriting support for 1 senior risk officer and 4 client managers with portfolios ranging from $10MM - $60MM in commitments to fuel de novo bank operation to profitability and total asset growth from $264MM to $828MM in 3 years.* Identified profitability, margin, cash flow, asset, balance sheet, and other key financial performance trends to promote pristine credit quality, avert losses, reduce risk exposure, and reinforce profits.* Produced financial performance projections, cash sources and uses, status summaries, charts, tables, and monthly/quarterly/annual reports utilizing Microsoft Excel, CRM, and other financial software.* Prepared commercial and consumer loan closing and renewal documents utilizing easyLENDER, credit action memos/summaries, closing and diligence checklists, financial spreads on Moody's KMV RiskAnalyst, compliance certificates, borrowing base reports, and credit files.* Reviewed, analyzed, and consolidated various GAAP, accrual, cash, tax basis, and personal financial statements and tax returns to assess issues and then advise departmental and executive management.* Generated, monitored, and adjusted client risk credit grades to reflect timely client risk assessments and maintain sound credit quality.* Presented commercial and consumer credit approvals, renewals, and other credit action items in monthly Management Credit Committee sessions.* Evaluated consumer home equity line, subordination, and personal credit line requests; made decision recommendations to senior credit officer and coordinated closing activities.* Formulated, implemented, and monitored a non-disclosure tracking system to eliminate heavy fine and penalty events.* Heightened recovery of bank closing costs.

Greater Atlanta Area

* Supported $15MM to $50MM credit portfolios of privately held companies in various industries, generated credit approval packages and loan closing documents, monitored borrowing base and covenant compliance certificates, and identified cross-sell opportunities.* Managed time and credit priorities as portfolio specialist for 5 relationship managers at 2 of the 4 Atlanta core commercial banking centers out of Marietta and Jonesboro locations.* Assessed new and existing client opportunities for credit approval by applying and utilizing cash flow analysis, forecasting, guarantor financials, spreads, and industry/company comparisons.* Researched and assembled industry and business financial trend and statistical data to produce and present marketing pitch books to current and prospective clients, resulting in increased sales.

Greater Atlanta Area

* Led operations and sales of $30MM branch with 6 employees; motivated team to increase sales through LOB partnerships, commercial, treasury management, and private wealth cross-referrals.* Held #1 spot for Atlanta production, top 3% division ranking, and achieved "Tip of the Sword" and "6x6 Club" recoginition.* Attained SunTrust Cup honors with 165% of business and personal deposits, 135% of business and personal loans, 120% of investment referral, and 160% of mortgage per YTD sales goals.* Developed business & personal banking relationships at over 100% retention.

Masters In Business Administration (Mba), Finance

Bachelors Of Science (Bs), Economics And Business Administration (Dual Major)

Activities and Societies: Lambda Chi Alpha, Omicron Delta Kappa, IFC, Student Amabassador, Order of Merit Scholar * Held two part-time.