Credit and Collections Resume

Added on July 3, 2011 in Accounting and Banking Resumes, Administrative Resumes, C by admin


212 Riverside Drive _ Espanola, NM87532 _ 908 777-7777


Opportunity with a Dallas-based financial services organization where expertise in commercial collections, credit administration, and financial analysis/structuring contributes to increased profits.


  • Extensive general business experience in the financial services industry with credentials in both line and staff positions. Areas of expertise:
  • credit/portfolio administration
  • financial analysis
  • asset structuring/restructuring
  • risk assessment/underwriting
  • commercial collections
  • problem asset resolution/loan workout
  • loan documentation
  • operation or information integration
  • regulatory compliance
  • lender liability issues
  • Background in diverse environments ranging from major regional financial holding companies to large and small community banks
  • Driving force in the establishment of a newly chartered commercial bank in the Espanola area
  • Customer-focused professional whose philosophy is to “do it right the first time”
  • Viewed by clients as an individual who is worthy of their trust, and who holds their best interests paramount
  • Effective at building sound internal/external relationships to support client and organizational goals
  • Actively involved in leadership roles focused on community development


M.B.A. Financial Administration

Indiana University, Kokomo, Indiana, 1987

B.A. Business- Economics

University of Kentucky, Lexington, Kentucky, 1985

Executive Professional Development Programs:

• Indiana University – Management School for Corporate Bankers

• University of Texas – National Commercial Lending Schools

• Certified Commercial Lender – American Bankers Association

• Computer School for Executives – Bank Institute of America

• Leadership and lending- National Credit Executives Association



VALLEY NATIONAL BANK, Espanola, New Mexico 2003 – Present

  • Founder/Charter Director/Executive Vice President and Senior Lending/Compliance Officer
  • Member of three-person team that founded and organized a new state-chartered FDIC insured commercial: bank. Established nine-member Board of Directors

Key Accomplishments:

  • Led efforts in generating close to $20 million in start-up capital
  • Grew bank into a profitable organization with $130 million in assets, while maintaining strong loan quality
  • Personally managed 70% of the bank’s borrowing client base and 60% of $75 million in total loans outstanding

CB RICHARD ELLIS, Dallas, Texas 2000 – 2003

  • Senior Vice President, Leasing – Managed lease origination process for a national leasing company. Offerings included private label programs for five Fortune 500 companies. Trained, supervised and developed new team members

Key Accomplishment:

  • Introduced commercial bank quality underwriting procedures to correct prior portfolio deficiencies for leases averaging $80,000 per transaction

FIRST FARMERS BANK & TRUST, Kokomo Central, Indiana 1994 – 2000

  • Vice President and Senior Lending Officer – Responsible for bank’s credit administration and management of commercial, consumer, and residential lending. Chaired loan and Community Reinvestment Act (CRA) committees

Key Accomplishment

  • Developed and implemented new credit culture, achieving an all-time bank record of 1.15% ROA, from a negative 0.65%

STAR FINANCIAL BANK, Kokomo, Indiana 1989 – 1990

  • Commercial Lending Officer – Special Loan Division – Established and managed new loan workout activity to support the banks domestic commercial lending group.

Key Accomplishment:

  • Directed reduction of internally classified credits and nonperforming assets by 72% each


  • Board of Directors and Past President, Local Chamber of Commerce
  • International Association of Bank Executives, Charter Member and Board of Directors
  • Senior Board Member, National Banking Institute of New Mexico

Click on image to Enlarge