yyyyyy x. yyyyyy

0000 xxxxxx xxxx , xxxx , xxxxx 00000                                                                                                    

(580) 354-1311

(589) 583-3127

abc@xyz.com

              

job announcement number: 2010-hqd-b1996

job title: loan review specialist, cg-1160-11 (term nte 2 yrs)

agency: federal deposit insurance corporation

 

core competencies

 

loan credit analysis, financial analysis, risk management, auditing, policies & procedures compliance, regulatory/legal compliance, lending, banking, financial institutions, commercial credit/lending, portfolio analysis, credit administration practices, underwriting review, credit grading, management performance evaluation, accounting, cash management, securities, investments, insurance, federal contracts, corrective actions, performance enhancements, program administration, project management, documentation, reporting, consulting, leadership, customer service, client relations management, business development, sales marketing, human resources, strategic leadership

 

professional experience

oct 2007-present

arvest bank

4330 nw cache rd, lawton ok 73505

supervisor: confidential - do not contact

hours per week: 45-55 avg

annual salary: $77k per annum (approx $90k with bonuses & stock options)

vp-commercial relationship manager/commercial loan officer iii

hired to drive commercial lending operations, increasing portfolio from $25m to $83m in exposure and $63m funded through aggressive prospecting and proactive relationship building; top producer, 2009, growing portfolio to largest in southwest oklahoma (swo) market. hold individual loan authority of up to $150k secured and $25k unsecured as well as joint authority for credits exceeding $150k and under $350k. with majority of relationships under management exceeding $350k, present to loan subcommittee and senior loan committee for approval; oversee credit analyst preparation of credit memorandum for review and deliver oral presentations to 12 voting members across 3 different markets of southwest oklahoma as well as field/address questions and objections and restructure debt based on committee feedback to maximize financially sound loan approvals.  with largest portfolio in swo and largest number of more complex relationships valued in excess of $5m, present to super loan committee consisting of senior credit management and effectively negotiate alternate structures to mitigate risk while providing client servicing and maintaining quality.

 

serve as member of senior loan committee as well as sub committee; actively participate in officer meetings, peer group sessions, seminars, training programs, etc. relied upon to contribute extensive commercial lending background toward mentoring commercial lenders, credit analysts and bank personnel in support of overall company performance.  provide quality leadership and offer informed recommendations in boosting efficiency, productivity and bottom-line results across broad areas of operations;  oversee loan assistants and commercial lenders to ensure attainment of production goals and compliance with company guidelines and objectives.

yyyyyy x. yyyyyy                                                                                                                  page 2 of 4

 

arvest bank continued

 

expertly generate, analyze, structure, approve, close, and service complex commercial credit packages including participations, sba loans and additional commercial loan requests, including extensive multimillion dollar construction and development funding; recognized as sba loan expert for market area. proficiently underwrite loans for approval and strategically offer alternative structures for maximum business performance; personally assign grade and pricing to credit and prepare own analysis and credit memorandum.

 

successfully maintain technical exceptions and past dues at minimum concurrent with delivering superior client servicing.  control risk to bank by continually monitoring loans.  ensure critical compliance with internal and regulatory policies/procedures and standards

 

steer civic/public relation initiatives vital to capturing new business, boosting market penetration and maintaining productive community presence. conduct thorough analysis of potential loan markets, consumer trends and competitor activities to identify and capitalize on opportunities for growth.

key achievements/projects

 

selected to serve on 4 separate loan review projects as 1 out of hundreds of potential candidates based on dynamic analytical and underwriting skills as well as expertise in loan structuring and accounting.  reviewed and graded portfolio of banks under consideration for acquisition, requiring creating line tickets including all pertinent information for each loan file, with focus on relationships valued at $1m+.  successfully completed over 100 complex reviews of 3 distinct institutions.

 

spearheaded sba 504 program with $2.7m loan request for $3.5m project and encompassing ownership by 6 partners.  project required complex underwriting due to requirement of cash flow and debt service analysis using several different sources. additionally collaborated with restaurant manager in achieving entrepreneurial goals by facilitating sba 7a business purchase funding supporting $1.7m project costs.

 

act as managing officer and key point of contact for lead bank on $30m complex healthcare funding project; entails 3 hospitals combining resources to form cancer centers of southwest oklahoma, with bankgroup consisting of 5 banks and arvest holding majority share of participation.  expertly respond to inquiries presented by all involved banks addressing processing and handling of project issues as well as client relationship management.

 

successfully gained approval for $11m funding through super loan committee for federal government contractor financing request.  capitalized on opportunity to acquire extensive knowledge in government contracts and their assignability as collateral and structure.

 

oct 2006-oct 2007

bank of america

301 north mesa, el paso tx 79901

supervisor: randal havey (retired), personal phonexxx-xxx-xxxx; may contact

hours per week: 45-55 avg

annual salary: $65k per annum (approx $75k with bonuses)

vp, client development manager

demonstrating prior value and contributions to company, re-recruited to launch internal franchise banking division in west texas and new mexico markets; focused on expanding market presence through strategic targeting of major franchise businesses including, among others, mcdonalds and burger king. successfully grew this business 33% over course of 1 year. managed average portfolio balance of $40-$50m. subsequently tapped to oversee portfolio in midland odessa region. conducted comprehensive financial analysis and reviewed complex commercial credit requests to effectively define and capitalize on target market needs.  built and directed team specializing in analyzing, designing and executing banking services. 

yyyyyy x. yyyyyy                                                                                                                  page 3 of 4

june 2005-april 2006

first federal bank

n/a

supervisor: n/a

hours per week: 45-55 avg

annual salary: $65k per annum
commercial lender

recruited by president to support commercial lending initiatives; company quickly restructured for sale and president left company, and subsequently capitalized on opportunity to return to bank of america based on instability and unforeseen changes with this company. succeeded in attaining #1 commercial lender ranking in loan volume and fees within market area, 3^rd quarter 2005.  effectively steered commercial lending from origination through structuring and final presentation to loan committee; efficiently managed credit risk prior to loan offers through thorough financial, credit and collateral analysis.

 

dec 2003-may 2005

bank of america

301 north mesa, el paso tx 79901

vp, client development manager

please reference similar position with bank of america previously presented for period of oct 2006-oct 2007 within this professional experience section.

 

feb 2002- dec 2003

jp morgan chase

2010 e main, el paso tx 79901

supervisor: henry ocanas, phone: 915-546-6745; may contact

hours per week: 45-55 avg

annual salary: $55k per annum

assistant vp-relationship manager

acquired series 7 investment licensing concurrent with maintaining insurance licenses to build qualifications vital to supporting company objectives; consistently ranked in top 20% in production amongst peers.  successfully developed and managed portfolio of as many as 200 high-value business clients generating $25m-$30m in bank business.  strategically cross-sold products to expand revenue streams and market leveraging; included treasury management, investments, personal accounts, payroll services, merchant services, and related products.  efficiently pre-screened business applications valued at over $1m, with focus on credit policy compliance.

 

contributed industry expertise as well as strong leadership qualities toward successfully training and developing a high-performance team of branch personnel; addressed broad areas ranging from effective screening of credit applications to quality loan submission documentation. 

sept 2000-feb 2002

metlife financial services

600 sunland park dr, el paso tx 79912

supervisor: kevin huckabee, phone 915-603-4959; may contact

hours per week: 45-55 avg
annual salary: $40k-$45k per annum (straight commission)

financial services representative

took the initiative to earn series 6 and 63 as well as group 1 general insurance licensing in order to meet company needs in sales/servicing of varied financial products/services and investments targeted toward both private consumers as well as business owners; included variable universal life, disability and annuity.  actively consulted with clients to clearly define needs and delivered customized presentations of optimal financial/insurance solutions to capture high-volume business.

 

yyyyyy x. yyyyyy                                                                                                                  page 4 of 4

 

education

 

university of phoenix-santa teresa, new mexico

degree: bachelor of science in business management

date earned: march 2000

gpa: 3.70./4.00 scale

credit hours completed: 123

 

specialized training/certifications/licensures

 

series 6 and 63 licensing

series 7 and 66 investment licensing

general lines insurance licensing, state of oklahoma (previously licensed in state of texas)

supervisory school, arvest bank

advanced client focused banking foundations, arvest bank

prospecting deposit rich relationships, arvest bank

modern business writing, arvest bank

advanced and basic credit training,  chase & bank of america

treasury management, chase & bank of america

trusted advisor training program, chase

cash flow management

various sales & relationship management courses

buker tax analysis

construction lending certification, western school of banking

 

awards/recognition

 

sales & service reward c top commercial lender swo, arvest; 2009

super star award, bank of america

#1 in business lending, small business banking, chase

reach for the stars-outstanding sales performance, robert half international

 

professional/community affiliations 

 

membership committee, lawton fort sill chamber of commerce; 2008-present

treasurer/board member, armed services ymca; 2007-present

treasurer/board member, lawton public school foundation; 2007-present

member, ambucs; 2007-present

executive committee, toastmasters; 2010

graduate class, leadership lawton; 2009

 

 

 

 

 

 

 

 

 

 

yyyyyy x. yyyyyy

0000 xxxxxx xxxx , xxxx , xxxxx 00000                                                                                                    

(580) 354-1311

(589) 583-3127

abc@xyz.com

              

job announcement number: 2010-hqd-b1996

job title: loan review specialist, cg-1160-11 (term nte 2 yrs)

agency: federal deposit insurance corporation

 

 

ksas

1. knowledge of banking theory and practice, banking and commercial law, economics, and credit analysis.

with numerous years of progressive experience in the financial services and commercial credit sector, i offer you ground floor through executive-level experience in banking theory and practice, banking/commercial law and credit analysis as well as a solid foundation in the intricacies of economic factors impacting the industry.

 

from 2000-2002, i was a financial services representative with metlife financial services, where i studied for and earned series 6 and 63 as well as group 1 general insurance licensing to provide broad-scope sales and servicing of diverse financial products/services and investments to both commercial and private clientele.  in 2002 i joined jp morgan chase as assistant vp-relationship manager, where i added series 7 investment licensing to my credentials.  during this time, i built and managed a portfolio of as many as 200 high-net-worth clients generating up to $30m in bank business.  this position required that i expertly pre-screen business applications valued at $1m+ for credit policy compliance as well as provide team training and leadership in credit applications screening, loan submission documentation and regulatory compliance.

 

from 2003-2005 and again from 2006-2007 after a brief stint with first federal bank, i was a vp, client development manager with bank of america.  bank of america re-recruited me in 2006 to focus on launching an internal franchise banking division targeting west texas and new mexico markets, where i captured major franchise business accounts including mcdonalds and burger king.  they then capitalized on my banking and financial services expertise to oversee a portfolio within the midland odessa region, where i succeeded in growing business 33% within 1 year and built/managed a portfolio balance valued as high as $50m.

 

since 2007, i have served as vp-commercial relationship manager/commercial loan officer iii with arvest bank, where i have grown the portfolio from $25m to $83m in exposure, with $63m funded, achieving top producer recognition in 2009.  in this position i hold individual loan authority up to $150k secured and $25k unsecured as well as joint authority for credits over $150k and under $350k.  as a large number of my portfolio relationships exceed $350k, i often present to the loan subcommittee and senior loan committee as well as manage highly

yyyyyy x. yyyyyy                                                                                                     ksas c page 2 of 3

 

complex relationships valued at $5m+, requiring presentation to the super loan committee.  of note, i also serve as a member of the senior loan committee and sub committee.   during this time, i have steered and or collaborated in multiple projects ranging from bank acquisitions and commercial construction/development  to sba programs and federal government contracts

2. knowledge of specific loan documentation requirements for all types of credit, and an understanding of laws and regulations governing loan underwriting.

 

throughout my career, a strong focus has been on interpreting and applying industry laws and regulations toward ensuring compliant loan underwriting as well as managing a high volume of complex loan documentation in accordance with broad credit requirements.

 

in my recent position i have built and managed the largest loan portfolio in the southwest oklahoma market, with over $83m in exposure, involving an extensive volume of detailed documentation and regulatory compliance issues.  i am held accountable for ensuring integrity of all loan documents both related to existing clients as well as relevant to new loan requests.  to obtain critical documentation, i expertly confer with clients, cpas and attorneys as well as related stakeholders.  a major challenge in this capacity is overcoming client tendencies to de-prioritize submission or challenge relevance of crucial information and documentation, and i have become an expert in prompting all parties to supply detailed data.   among the documents i require and thoroughly analyze are completed federal tax returns for both businesses and individual guarantors, updated financial statements on guarantors and entity/organizational internal documentation vital to meeting loan policy and regulatory requirements.

 

among my portfolio are a number of multimillion dollar construction and development loans, with personal responsibility for again ensuring compliance with documentation requirements and regulatory standards.  this has included working extensively with aia draw forms as well as construction receipts and downdraft waivers as part of the loan file.  on several occasions, i have been challenged by clients when requesting this documentation, requiring that i tactfully apply my expertise in related documents toward advising on the critical nature of providing us varied documents as well as reject draw requests until proper documentation is provided.  in each case, i have ultimately been successful in securing documentation to ensure loan integrity and regulatory compliance while delivering world-class client servicing.

3. knowledge of banking financial institutions and their practices and procedures.

 

in addition to my vast industry experience detailed in response to ksa 1, i have acquired extensive knowledge of banking financial institutions and their practices and procedures by taking the initiative to actively pursue ongoing professional development.  through my current employer, arvest bank, i have capitalized on opportunities to complete supervisory school, advanced client focused banking foundations and prospecting deposit rich relationships.   previously, i completed employer-sponsored basic and advanced credit, treasury management, cash flow management, and trusted advisor training programs.  of note, i earned construction lending certification through western school of banking and have also completed a buker tax analysis program as well as varied industry-related sales and relationship management courses.

 

yyyyyy x. yyyyyy                                                                                                     ksas c page 3 of 3

 

earlier in my career, i was also successful in acquiring series 6 and 63 licensing and series 7 and 66 investment licensing as well as general lines insurance licensing in the state of oklahoma as well as state of texas.

 

i have worked with a wide range of financial instruments and banking services ranging from commercial lending, sba programs and federal government contracts to treasury management, investments, personal accounts, payroll services, merchant services, and diverse insurance products. 

4. skill in loan credit analysis, including the ability to determine credit quality through analysis of repayment capacity, financial strength and collateral protection.  

 

over the course of my career, rising from financial representative and commercial lender to vice president-commercial relationship manager/commercial loan officer iii specializing in larger, complex credits, my primary responsibility beyond driving business growth has been to conduct comprehensive credit and financial analysis of potential and existing clients.  illustrating my level of expertise in this area, i am presently a senior loan committee and sub committee voting member with arvest bank.  among the responsibilities in this high-level leadership capacity, i collaborate in weekly meetings focused on reviewing all requests for new credit as well as renewals of existing loans.  we comprehensively evaluate credit memorandums and credit for sufficient property debt service coverage, collateral, credit scores, and net worth capital as well as industry and geographic market conditions, giving further consideration to the bank s present concentration in collateral type or industry.  based on these analyses, we then determine if current grade is appropriate for requested funding, or we will assign different grades to credit.  to control risk, we also review pricing to determine if rate is fair to client while sufficiently covering bank risk for a particular credit facility.

 

further illustrating my loan/credit review expertise, i was selected out of hundreds of available lenders by my manager and the loan review team leader to serve on 4 separate loan review projects.  these projects entailed reviewing and grading the portfolio of banks under consideration for acquisition. i collaborated in grading credit quality by analyzing credits for debt service requirements, loan to value, overall structure, credit quality, collateral type, and suitability of credit facility to usage and collateral.  as a key facilitator of the projects, i successfully completed over 100 reviews of 3 different institutions.

 

i have become proficient in applying credit analysis toward structuring loans and identifying alternative solutions to contain risk while providing quality client services.  as an example, we had an existing $18m client requesting financing for a new project estimated at $10m in total costs.  due to underwriting concerns, i made several modifications to the request and was able to structure an acceptable credit.  our final strategy was to limit advance rate to 70% loan to cost with several requirements.  first, we required client equity injection prior to advancing loan funds.  further, additional guarantees from existing commercial holdings were required to strengthen credit.  finally, we required these holdings be put up as additional collateral to secure our interest in the loan investment.

 

 

 

yyyyyy x. yyyyyy

0000 xxxxxx xxxx , xxxx , xxxxx 00000                                                                                                    

(580) 354-1311

(589) 583-3127

abc@xyz.com

              

 

date

 

federal deposit insurance corporation

address

city/state/zip code

 

re job announcement number: 2010-hqd-b1996

 

i am extremely interested in being considered for the loan review specialist position currently available with your agency and am submitting my resume and ksas for review.  in advance, thank you for your time.

 

i believe you will find that my extensive progressive career in commercial banking, credit and finance uniquely matches your needs.  with the bulk of my recent background in an executive-level capacity, i offer you comprehensive background in commercial lending, credit and financial analysis, multi-million dollar portfolio development/management (currently valued at over $83m), client relationship management,  complex documentation, regulatory compliance, risk mitigation, team building/direction, and administrative leadership.  in my present position with arvest bank, i also serve as a member of our senior loan committee as well as sub committee.  with my current employer, i have been actively involved in key bank projects /initiatives ranging from competitor bank acquisitions and high-value construction/development funding to sba loan programs and federal government contracts.  recognitions for my dynamic performance have included: sales & service reward c top commercial lender swo-arvest (2009), super star award-bank of america and #1 in business lending, small business banking-chase.

 

complementing my professional experience, i earned a bachelor of science in business management in 2000.  i ve also acquired numerous licensures including series 6 and 73, series 7 and 66 investment and general lines insurance.  i also have continually taken the initiative to develop my skills and knowledge through ongoing employer-sponsored and independent studies in broad areas of the banking, credit and finance industry.

 

as an employee, you will find me to be a driven team player and decisive leader prepared to deliver immediate and long-range results. i am confident that i could be a valuable asset to the fdic as a loan review specialist, and look forward to interviewing with you in the near future.

 

sincerely,

 

yyyyyy x. yyyyyy

 

 

yyyyyy x. yyyyyy

0000 xxxxxx xxxx , xxxx , xxxxx 00000                                                                                                    

(580) 354-1311

(589) 583-3127

abc@xyz.com

              

 

date

 

federal deposit insurance corporation

address

city/state/zip code

 

re job announcement number: 2010-hqd-b1996

 

i would like to thank you for providing me the opportunity to interview with you and discuss the exciting loan review specialist position currently available with the fdic.  having gained a deeper insight into the job requirements and your objectives, i am confident you will find me a valuable asset in achieving your goals.

 

as discussed, with my vast progressive background in banking, credit and finance focused on the commercial lending sector, i am an ideal match for this position.  i believe you will find my dynamic (list a few skills/qualifications relevant to the position which were discussed during the interview process) skills vital to your operations and look forward to contributing to your success.

 

should you have any additional questions, or to further discuss this, or similar employment opportunities, please feel free to contact me at your earliest convenience.  again, thank you for the enlightening interview.  i look forward to your response.

 

sincerely,

 

 

 

yyyyyy x. yyyyyy