Business Alliance Financial Services

AVP, Senior Loan Review / Team Lead

August 2021 – Present

In my current role, I provide independent review and assessment of commercial loan relationships while leading and developing a team of Loan Review Specialists.

Key responsibilities and accomplishments:

• Conduct annual loan reviews for commercial relationships generally ranging from $1 million to $100 million.
• Evaluate credit quality, financial performance, repayment capacity, risk exposure, and overall relationship risk.
• Lead, train, and develop a team of four Loan Review Specialists.
• Maintain consistent review standards and support the development of sound credit and risk-management practices.
• Consistently met or exceeded monthly and annual performance goals.
• Received an “Exceeds Expectations” rating in the 2023 annual performance review.

Partners Bank

AVP, Senior Credit Officer

January 2019 – August 2021

Served as a senior credit resource responsible for commercial and agricultural underwriting, portfolio review, and credit team supervision.

Key responsibilities and accomplishments:

• Performed commercial underwriting for prospective and existing commercial and agricultural customers.
• Applied sound underwriting principles to support the growth of the bank’s loan portfolio, which increased approximately 360% during my tenure.
• Conducted annual reviews for commercial and agricultural relationships exceeding $1 million.
• Analyzed borrower financial performance, cash flow, repayment capacity, and overall credit risk.
• Supervised and developed a team consisting of a Credit Analyst and Management Trainee.
• Worked closely with lending personnel to evaluate credit opportunities while maintaining appropriate risk standards.

Eagle Bank

Senior Credit Analyst

May 2018 – January 2019

Provided financial and credit analysis for larger commercial relationships and ongoing portfolio monitoring.

• Performed cash flow and credit analysis for new relationships exceeding $500 million.
• Conducted annual reviews of existing relationships with aggregate debt exceeding $200 million.
• Evaluated financial performance, repayment capacity, credit structure, and relationship risk.
• Supported lending decisions through detailed financial and credit analysis.

Centennial Bank

Credit Analyst II

September 2017 – May 2018

Performed commercial credit analysis and portfolio review for significant lending relationships.

• Conducted cash flow and credit analysis for new relationships ranging from $1 million to $85 million.
• Performed annual reviews on relationships exceeding $3 million.
• Evaluated borrower financial performance and repayment capacity.
• Supported underwriting and ongoing credit monitoring through detailed financial analysis.

Heartland Bank

Commercial Lending Analyst

February 2017 – August 2017

Supported commercial lending activities through customer interaction, financial analysis, and credit evaluation.

• Met with prospective and existing customers to determine credit needs.
• Performed cash flow and credit analysis on new loan requests.
• Assisted the Chief Lending Officer with preparation of annual reports submitted to the USDA.
• Supported the commercial lending process from initial customer needs assessment through credit analysis.

Iberia Bank

Commercial Underwriter

April 2016 – February 2017

Provided commercial underwriting and portfolio monitoring support across a multi-state credit portfolio.

• Performed cash flow and credit analysis on new and renewal loan requests.
• Conducted monthly, quarterly, semi-annual, and annual covenant reviews for credits throughout Arkansas, Louisiana, and Tennessee.
• Spread borrower financial information using Baker Hill Spreading Software.
• Supported lending decisions through financial analysis and ongoing covenant monitoring.

Arvest Bank

Credit Analyst I

April 2014 – April 2016

Developed foundational commercial credit and portfolio-management experience.

• Performed cash flow and credit analysis on new and renewal loan requests up to $25 million.
• Reviewed commercial loan portfolios to ensure compliance with established policies and procedures.
• Evaluated financial information and repayment capacity in support of commercial lending decisions.
• Assisted with ongoing portfolio monitoring and credit administration.

Metropolitan National Bank / Simmons Bank

Customer Service Manager / FSR II

February 2010 – April 2014

Began my banking career in branch operations and customer-facing financial services, developing a strong foundation in banking, customer relationships, and operational management.

• Managed day-to-day branch operations.
• Managed the teller line and trained new tellers.
• Opened new deposit and consumer loan accounts for new and existing customers.
• Developed hands-on experience in customer service, banking operations, and financial products.
• Built the foundation for my subsequent transition into commercial credit and underwriting.

Career Progression

My career reflects a progression from banking operations and customer service into commercial lending, credit analysis, commercial underwriting, senior credit management, and independent loan review leadership.

That progression has given me experience on multiple sides of the credit decision-making process and a practical understanding of how underwriting decisions translate into portfolio performance and credit risk.

Core Areas of Experience

Credit Risk Management
Commercial Credit • Loan Review • Commercial Underwriting • Credit Analysis • Portfolio Risk • Risk Assessment

Financial Analysis
Cash Flow Analysis • Financial Statement Analysis • Repayment Capacity • Credit Evaluation • Covenant Monitoring

Commercial Lending
Commercial & Industrial (C&I) • Commercial Real Estate (CRE) • Agricultural Lending • Loan Structure • Credit Administration

Leadership
Team Supervision • Training & Mentoring • Performance Management • Credit Team Development • Process Improvement

Technology & Analysis Tools
Baker Hill Spreading Software • BLAST • ProfitStars • IBISWorld Industry Analysis • Microsoft Excel • Word • PowerPoint • Access • Outlook

This combination of hands-on underwriting, portfolio analysis, independent loan review, and team leadership provides a comprehensive foundation for senior roles in Credit Risk Management, Loan Review, Commercial Underwriting, and Credit Administration.