Expert Details
Commercial / Consumer Lending & Loan Review, Credit Policy Oversight , Risk Mgt., Bank Training.
ID: 729944
North Carolina, USA
Expert has specific banking skills and abilities to include portfolio risk management, business analysis, training facilitator, business-to-business relationship management, and business development.
Expert has experience most recently as a Senior Banking Consultant for a firm specializing in enterprise risk management. Assisted in developing a correspondent banking program to include; authoring / editing a risk management methodology manual for client's upcoming OTC examination. Also served as risk management liaison to client's Executive Team.
Expert has extensive experience in the merchant services / bankcard industry to include; Sr. Business Development Officer, business analyst, contract negotiator and departmental training facilitator.
Prior instructor for the American Institute of Banking, American Bankers Association and Service Quality Excellence Trainer within a large commercial bank. Expert holds a Graduate Degree in Strategic Business Management.
Acted as Professor's Assistant at The University of Maryland helping teach the graduate program capstone course on the Global Business Environment and Strategic Management. (training positions were in the evening in addition to primary employment)
Expert has had experience as a business analyst / consultant related to understanding cash flow drivers, cost containment, profitability and business process. Expert has consulted to various banks on how to set up an Indirect Lending Department. Expert has advised various banking institutions on how to pursue service quality initiatives.Served most recently in the development of a risk management banking methodology for a firm specializing in enterprise risk management. We developed a manual to aid then in their upcoming OTC examination.
Education
| Year | Degree | Subject | Institution |
|---|---|---|---|
| Year: 2001 | Degree: Master of Science | Subject: Strategic Business Management | Institution: University of Maryland |
| Year: 1979 | Degree: Bachelor of Science | Subject: Marketing / Economics | Institution: University of Maryland |
| Year: 1977 | Degree: Associate of Arts & Sciences | Subject: Business Administration | Institution: Montgomery College |
Work History
| Years | Employer | Title | Department |
|---|---|---|---|
| Years: 2011 to 2012 | Employer: Strategic Risk Associates, LLC | Title: Senior Manager / Consultant | Department: Bank Consulting |
Responsibilities:Expert played an integral part in the development of an enterprise risk management methodology and risk assessment to best prepare the client bank for their pending OTC examination. He also acted as a liaison to client bank's executive management team. |
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| Years | Employer | Title | Department |
| Years: 2006 to 2011 | Employer: The East Carolina Bank | Title: Regional Commercial Lending Officer / Credit Policy Officer | Department: Loan / Credit Administration |
Responsibilities:Expert has specific banking skills and abilities to include, commercial underwriter, credit policy, ECOA compliance, portfolio risk management, business analysis, training facilitator, B2B relationship management, business development and appraisal review. |
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| Years | Employer | Title | Department |
| Years: 1997 to 2006 | Employer: Global Payments, Inc. | Title: Sr. Business Development Officer | Department: Business Development / Merchant Banking Services |
Responsibilities:Expert served in a senior capacity in New Business Development, Client Relations, B2B Strategic Alliances, Departmental Training Facilitation and Contract Negotiations. |
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| Years | Employer | Title | Department |
| Years: 1994 to 1997 | Employer: Auto One Acceptance Corp. | Title: Territory Area Manager (Delaware, Maryland, Virginia) | Department: Indirect Auto Dealer Finance |
Responsibilities:Dealer finance new business development, indirect automobile loan underwriting, contract negotiations, B2B alliances along with relationship management and a tri-state territory marketing initiative. |
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| Years | Employer | Title | Department |
| Years: 1988 to 1994 | Employer: First American Bank Metro Corp. | Title: Senior Consumer Lending Officer / Indirect Lending Manager | Department: Consumer Lending / Dealer Finance (indirect lending) |
Responsibilities:Expert served as a Senior in Consumer loan underwriting, also in management of the Indirect Auto Lending Department, a bank wide service quality training facilitator and a foreclosure / loan workout specialist. |
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Career Accomplishments
| Associations / Societies |
|---|
| Rotary Club International (Secretary - First Flight, NC Chapter). Risk Management Association - commercial banking. American Association of Finance & Insurance Professionals (AFIP). |
| Licenses / Certifications |
|---|
| Certified by Association of Finance and Insurance Professionals. Certified Instructor - American Bankers Association. (previous) Certified Professor's Assistant - University of Maryland (business management) |
| Professional Appointments |
|---|
| Secretary - Rotary Club International (First Flight Chapter) |
| Awards / Recognition |
|---|
| "Circle of Excellence " award for being top producer At First American Bank. |
| Medical / Professional |
|---|
| none |
| Publications and Patents Summary |
|---|
| none |
Additional Experience
| Training / Seminars |
|---|
| Training Instructor - American Institute of Banking - taught 3 courses (loan underwriting, bank marketing, selling bank products). Training Facilitator - First American Bank - delivered numerous seminars on service quality excellence for a bankwide Malcomb Baldridge Award Initiative. Professor's Assistant - University of Maryland - business management. Consumer Lending Trainer - United Savings Bank - designed, developed and delivered 12 training modules for lending department and branch personnel. |
| Vendor Selection |
|---|
| Experience sourcing auto dealer networks within the Indirect Lending Department at First American Bank. Experience sourcing and evaluating commercial real estate appraisers for East Carolina Banks. |
| Marketing Experience |
|---|
| He was a resource in East Carolina Bank's market area (northeast North Carolina) for industry trends in bank training facilitation, and B2B alliances. Commercial banking customer resource for new business evaluations and start-ups. Resource for advanced software to analyze business cash flows and credit worthiness. |
| Other Relevant Experience |
|---|
| Seminars taken and experienced in commercial real estate evaluations and review. Compliance for ECOA and TIL as they relate to bank adverse actions in Loan Administration. |
Language Skills
| Language | Proficiency |
|---|---|
| Spanish | Expert has minimal but passable usage. |
Fields of Expertise
commercial loan, construction lending, home equity line of credit, direct auto loan, indirect auto loan, lending policy, loan underwriting, risk management, credit card, employee training, loan workout, sales training, banking regulation, mortgage lending, 360 degree feedback, bank policy, loan operations, bank procedure, loan valuation, credit card terminal, retail banking, corporate training, employee empowerment, economics, analysis