Will Tidwell Email & Phone Number

• Work with business owners to generate content on social media including LinkedIn, YouTube, Facebook, Instagram, and TikTok.• Script, Produce, and Edit video content.

Detroit, Michigan, United States

• Supported Private Banking, Business Banking, Middle Market, and International business lines by underwriting credit requests for new to new, new to existing, and renewals of lines of credit, term loans, Corporate Cards, ACH, Interest Rate Swaps, EXIM risk for customers. Including building loan request, documenting deal structures, performing financial analysis, calculating covenants and building cash flow models to evaluate credit risks.• Reviewed Credit Agreements and Loan Agreements to ensure appropriate underwriting of credit risk and compliance with lending requirements.• Provided Relationship Managers and Group Managers clarity on obstacles and challenges in current deal structures, suggesting ways to mitigate credit risks.• Supported loan groups with prospecting activities and identified areas for client outreach, including outreach to business owners, attending networking events, and creating banking content for LinkedIn to build brand awareness.

Detroit, Michigan, United States

• Managed a team of eight full-time staff, focusing on analyzing prospective business opportunities and maintaining credit relationship portfolios representing over $2BN in outstanding loans. Business verticals supported: Oil & Energy, Middle Market Texas, US Banking, and Entertainment. • Facilitated communication with team members and our business partners, providing understanding and expectations of our credit system and documentation. Examples include assisting team members and our partners with complex financial analytics and accurate understanding of financial statements and how to document balance sheet, income statement, and cash flow items appropriately to ensure accurate credit risks for portfolio and setting expectations on deadlines and ensuring timeliness of agreed deadlines. • Audited and reviewed team member’s reporting items on more complex assignments, including reviews of quarterly Credit Quality Reviews, multi-company spreads, profitability reports, $50MM & Over reports, House Limit Reports, and review of simple loan approvals.• Created training programs and resources to increase staff productivity and results.• Underwrote simple loan approvals for Commercial Lines of Credit, Corporate Credit Cards, ACH, and Interest Rate Swaps.

Detroit, Michigan, United States

• Analyzed balance sheets, income statements, personal financial statements, tax returns for over 200 Middle Market California and Auto Dealership accounts. • Tracked and uploaded financial statements for the portfolio’s credit file for covenant compliance.• Created, input, and verified risk ratings to ensure Comerica maintained appropriate risk reserves. • Underwrote simple loan approvals for Commercial Lines of Credit, Corporate Cards, ACH, and Interest Rate Swaps. • Updated reports including Credit Quality Reviews, $50MM and Over reports, House Limit Reports, Risk Rating audits, and Shared National Credits.

Detroit, Michigan, United States

Detroit, Michigan, United States

• Analyzed loan applications completed online for pre-qualification.• Trained new team members to improve productivity and conversion through meetings, training sessions, coaching call clips.

Detroit, Michigan, United States

• Licensed in 20 states to originate refinances of 1st lien mortgages.• Understand mortgage guidelines for Conventional, FHA, VA, and Jumbo Loans.• Discussed client’s their credit report, debt-to-income ratios, property value, appraisal conditions, and assets to determine the client’s loan qualifications.• Utilized Fannie Mae, Freddie Mac, FHA, and VA automated underwriting system to approve client on initial phone call.• Negotiated interest rates and closing costs with clients, leading to loans of over $50MM annually.• Guided client through mortgage process, and collected required qualification documentation including paystubs, W2s, 1040s, 1099s, 401K accounts, bank statements, judgement documentation, collection payoff receipts, property appraisals, and more. • Communicated with clients during the mortgage process regarding any changes to deal structure.

Cincinnati, Ohio, United States

• Responsible for generating new business, arraigning freight pick-up and negotiating freight rates with customers and carriers.