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<pre>Array ( [var] => cut_url ) </pre> Resume for Lon S. for Loan Officer / Underwriting / Banking in Birmingham, Alabama. Search More Resumes for Loan Officer / Underwriting on Resumark.com #GUW64I5M2
 

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Resume for Lon S. for Loan Officer / Underwriting / Banking in Birmingham, Alabama




Occupation: Loan Officer / Underwriting Industry: Banking
Country: United States City: Birmingham
State: Alabama ZIP: 35243



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R. LON S. III

Cromwell Drive  Birmingham, AL

Residence: ; Cell:

 

COMMERCIAL BANKING / LENDING EXECUTIVE 
 

Accomplished commercial lending & business banking professional with proven leadership in devising and implementing strategies to increase assets under management: commercial lines, business loans, residential/commercial mortgages, capital leases, & participations ·  Resultsoriented, decisive leader with extensive personal/business network ·  Excellent communicator and innovative problem solver  ·  Adept at incorporating policies and controls to ensure compliance with industry regulations ·  Critical change agent and skilled team leader  ·  Fosters winning operational and customer service environments 
 

Portfolio Management Asset Management Relationship Development Credit Analysis Underwriting

Operations Management Audit Regulatory Compliance Risk Assessment Capital Budgeting

Equity Financing Commercial Paper Structuring Business Development Financial Analytics 
 

PROFESSIONAL EXPERIENCE 

Vice President, Commercial Lending

Cadence Bank, Columbus, Mississippi Fullservice provider of banking, trust, mortgage, and investment services with $.B in assets  

Originated, serviced, and collected complex commercial loans. Solicited new business and promoted bank services to new and existing customers. Managed $M Portfolio of CRE, A&D, C&I, Working Capital and Workout Credits.

  • Grew portfolio in a down market by developing a subset of private banking within the medical & professional services community that also contributed to an increase in bank loan production.
  • Salvaged impaired credits by analyzing Risk Rate factors and creating workout plans to fit client companies’ current level of cash flow and asset allocation.
  • Reduced losses and chargeoffs by closely monitoring a commercial loan portfolio of A&D loans, commercial equipment, commercial real estate, working capital, and other assetbased credits.
  •  

    Branch Sales Manager II/Business Banker  

    Regions Bank, Auburn, Alabama Fullservice provider of retail/commercial banking, trust, securities brokerage, mortgage, and insurance products/services with $B in assets

    Managed banking & lending operations for Lee County main branch plus four satellite locations. Managed $M asset portfolio. Crafted programs and training initiatives to drive sales and improve general operations. Ensured compliance with corporate and government banking/lending standards.

  • Initiated comprehensive teller and platform sales training, referral, and production tracking program called “CharttheCourse” that helped drive loan production .% with outstanding balance growth of almost % and net deposit growth above %.
  • Facilitated integration of newly acquired AmSouth banking operations, clients, and resources.
  • Devised and implemented a Universityspecific marketing campaign for deposits and new accounts parts of which are in use today in their college community marketing campaigns.
  • Recognized for having four of five locations qualify for CharttheCourse Chairman's Club of Excellence using metrics for production of consumer/commercial loans, lowcost deposits, new demand accounts, and investment dollars placed.
  •  

    Vice President/Assistant Controller

    Conville & Company, Inc., Birmingham, Alabama Regional commercial/residential real estate development, management, and sales organization

    Directed person team of project managers with $M construction loan portfolio. Coordinated accounts payable/receivable and profitability reviews for each project. Oversaw acquisition of fixed assets and other capital expenditures. Established and nurtured relationships with correspondent financial institutions, investors, stakeholder groups, and Board of Directors. Secured lines of credit for operating capital.

  • Formulated strategy to separate operation into three divisions and to subsequently divest two divisions, construction and property management, to familyowned subsidiary for $.M, which isolated operation focusing on mortgage and bridge loans.
  • Achieved +%, or $.M, portfolio growth for calendar year .
  •  
     

    CEO & Treasurer

    Birmingham Federal Employees’ FCU, Birmingham, Alabama Federal credit union with three Birminghamarea branches serving federal employees

    Led teams of banking/finance professionals to provide stellar customer service and expertlevel support to customers across three branch locations. Devised/executed strategies to grow members, increase assets/returns, and reduce operating expenses. Cultivated relationships with Board Members, clients, and strategic partners. Prepared & delivered monthly performance reports to Board of Directors.

  • Spearheaded transition from National Credit Union Administration charter to Community Charter Designated County that secured more than % membership growth in just over one year.
  • Launched fullservice real estate lending initiative for conventional, FHA, and VA products with subsequent asset sale that generated .% yearoveryear product line increase.
  • Instituted an Indirect Automotive Loan Program with Alabama Automotive Dealers Association.
  • Leveraged SBA Guarantee Program to capture $.M in new commercial loans, which represented % growth, in month time frame.
  • Deployed Visa Debit Card Program in conjunction with implementation of first ATM terminal to drive interchange and surcharge revenue almost %.
  • Directed organizational restructuring to adapt to FedLine ebanking business model, which included design and introduction of credit union website.
  • Honored as Credit Union of the Year by the Alabama Credit Union League.
  • Operations Officer Sloss FCU, Birmingham, Alabama Credit union serving Sloss Industries; renamed Secure First Credit Union in

    Oversaw all aspects of accounting/investment activities, electronic fund transactions, and IT systems management. Prepared/analyzed financial performance of $M operation to ensure adherence to federal regulations. Planned and managed branch operating/capital budgets. Trained and directed financial operations team in service delivery and reporting.

  • Named Security Officer; selected as Asset Liability Committee Board Member.
  • Accounting and Finance Team Lead in system conversion to SYMITAR data processing platform.
  • Executive Vice President Eagle Realty & Mortgage Corporation, Birmingham, Alabama Provider of residential and commercial property loans  

    Managed loan origination, structuring, credit analysis, and funding for residential and commercial mortgages. Directed performance of affiliated regional mortgage bankers and independent brokers. Ensured compliance with all federal and industry regulations.

  • Instituted Webbased application tool to streamline application preparation and processing.
  • ADDITIONAL EXPERIENCE  
     

    Branch Administrator/Business Banker First Federal Savings Bank, Hoover, Alabama 

    Commercial Credit Analyst / Credit Department Colonial Bank, Birmingham, Alabama 

    Retail Administrator/Loan Officer/Special Assets Officer Jefferson Federal Savings and Loan, Birmingham, Alabama 

    EDUCATION  
     

    Master of Science in Finance/Banking Candidate

    Oxford University, Oxford, England

    Expected graduation date: December,

    Bachelor of Science in Business Administration/Organizational Management Accounting & Corporate Finance Dual Major

    Auburn University, Auburn, Alabama

    The Credit Union National Association Southeastern Region Credit Union School

    University of Georgia, Athens, Georgia

    Leadership Training & Sales Development Programs

    Dale Carnegie Training, Birmingham, Alabama

    Institute of Financial Education

    University of Alabama at Birmingham, Birmingham, Alabama 

    PROFESSIONAL DEVELOPMENT  
     

    Credit Counseling ~ HIPAA ~ Bank Secrecy ~ Check ~ Demand Deposit Accounts

    Credit Analysis ~ AssetBased Lending ~ Real Property Valuation

    Commercial Underwriting ~ BAI Compliance Review ~ Consumer Lending Policy & Practice

    SBA /A Business Lending ~ RMA Asset/Liability Management

    Financial Statement Analysis ~ SelfEmployed Borrowing ~ Investor Accounting ~ Retail Administration

    RMA Risk Management ~ Omega Credit Analysis ~ Omega Sales Development

    PROFESSIONAL MEMBERSHIPS  
     

    National Society of Accountants NSA

    National Management Society

    Alabama Realtors Association Associate Member

    Risk Management Association

    Birmingham Business Alliance Investor/Member


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