Expert Details

Commercial / Consumer Lending & Loan Review, Credit Policy Oversight , Risk Mgt., Bank Training.

ID: 729944 North Carolina, USA

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Expert has extensive banking industry experience (15 plus years) to include: Sr. Commercial Loan Underwriter, Credit Policy Officer, Regional Manager Commercial Lending. He has additional experience as Indirect Lending Manager (dealer finance), Sr. Consumer Lending Officer, Bank Service Quality Trainer.

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.


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
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.
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
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.
Years Employer Title Department
Years: 1997 to 2006 Employer: Global Payments, Inc. Title: Sr. Business Development Officer Department: Business Development / Merchant Banking Services
Expert served in a senior capacity in New Business Development, Client Relations, B2B Strategic Alliances, Departmental Training Facilitation and Contract Negotiations.
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
Dealer finance new business development, indirect automobile loan underwriting, contract negotiations, B2B alliances along with relationship management and a tri-state territory marketing initiative.
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)
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.

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
Publications and Patents Summary

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

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