Real Estate Management
Resume:
Subject: Credit
Analyst
Personnel Manager
Fifth Third Bank
Louisville, KY 40202
To Whom It May Concern:
I am applying for the Credit Analyst position. I am very interested in
this position with Fifth Third Bank, because my education and employment
background is a perfect match for this position.
I have excellent verbal and written communication skills for effective
interactions with relationship managers, clients, and senior management to
communicate loan decisions. I am self-motivated, like to work in a team
environment; and have a strong sense of urgency in completing tasks. I am
strongly skilled in all the requirements that you indicate a successful
candidate should have. I have very strong analytical credit backgrounds
both from the underwriting, direct client contact, and loan review
perspective. With over thirty-two years of commercial credit underwriting
and loan review experience, I am an excellent candidate for this position
as I am a fully developed Banking Credit Administrator.
Attached is a copy of my resume, which more fully details my qualifications
for the position.
I look forward to talking with you, regarding opportunities with Fifth
Third Bank.
Thank you very kindly for your consideration.
Sincerely,
Steven R. Wilkerson
4611 Dannywood Road
Louisville, KY 40220
*****************@*********.***
Resume attached.
STEVEN R. WILKERSON
4611 Dannywood Road Ph: 502-***-****
Louisville, KY 40220 *****************@*********.***
PROFESSIONAL EXPERIENCE
PITTSBURGH NATIONAL CORPORATION, Louisville, KY 2009-2010
Vice President
Underwriter II
. Serve a broad range of industries, including mortgage banking,
manufacturers, distributors, service companies, real estate, asset
based lending, non-for profits, healthcare, energy, metals and mining
to highlight a few.
. Work on client teams within an assigned portfolio to deliver ideas,
advice and solutions that help clients achieve their goals. Utilize
analytical skills, experience and judgment along with my knowledge of
PNCs Credit Risk Management and underwriting requirements to determine
and gather the information necessary to evaluate the credit worthiness
and financial conditions of borrowers.
. Interact directly with clients as well as product specialists across
PNC.
. Review financial statements such as balance sheets, income statements
and cash flow statements to evaluate the overall strengths and
weaknesses of the borrower. Help structure borrower solutions,
coordinate the documentation of these loans and make recommendations
for risk rating the clients within my assigned portfolio.
NATIONAL CITY BANK, Louisville, KY 1980-2009
Vice President 2001-2009
Team Leader
Corporate Credit Trainer
Senior Commercial Credit Analyst III
. Supervise credit analysts, management trainees, and college interns.
. Analyze financial condition of complex credits, industries, and
commercial real estate.
. Develop financial models; prepare pro forma statements, and commercial
real estate software.
. Liaison between Credit Administration, relationship managers, and
senior management during the credit approval process.
. Call on customers with relationship managers when needed.
. Prepare reports for senior management.
. Provide continuing credit education to bank relationship managers and
management trainees on credit skills, accounting changes, and credit
underwriting enhancements.
Assistant Vice President 1993-2001
Corporate Credit Trainer
Senior Commercial Credit Analyst III
. Analyze financial condition of complex credits, industries, mortgage
banking and commercial real estate.
. Prepared and analyzed foreign country reviews for International
Lending.
. Develop financial models and prepare pro forma statements.
. Liaison with relationship managers and senior management during the
credit approval process.
. Prepare reports for senior management.
. Provide continuing education to bank relationship managers and
management trainees on credit skills.
Assistant Vice President 1991-1992
Dealer Credit and Floor Plan Portfolio Manager
. Managed five Dealer Floor Plan Operation employees.
. Managed two Dealer Floor Plan Credit Analysts.
. Monitored the credit quality, documentation of the Dealer Division's
commercial loans and indirect consumer lending, and Floor Plan Loan
Operation's compliance with corporate lending policies.
. Prepared Loan Documentation and presented Credit Approvals to
committee.
. Daily customer contact, problem solving, monitored collateral
documentation, monitored daily overdrafts, and authorized wire
transfers.
STEVEN R. WILKERSON Page 2
Assistant Vice President 1988-1991
Loan Review Officer
. Managed systematic loan reviews of Mortgage Banking, Retail, Real
Estate, and Commercial Loan/Lease portfolios.
. Managed team reviews of affiliate bank's loan and lease portfolios for
loan quality, underwriting, and loan documentation.
. Verified loan documentation was current, adequate and in place.
. Communicated the results of the systematic reviews to division heads
and senior management.
. Recommended ways to improve credit quality and collateral
documentation.
. Recommended strategies to affiliate banks' senior management for
credit quality improvement.
Senior Credit Officer 1981-1988
Senior Commercial Credit Analyst III
. Leasing Credit Manager supervising three senior credit analysts;
controlling the leasing portfolio loan quality, verified lease
documents, prepared lessee and leasing companies' financial analysts,
and presented the credit sheet to the loan committee.
. Analyze financial condition of complex credits, industries, mortgage
banking and commercial real estate.
. Prepared and analyzed foreign country reviews for International
Lending.
. Develop financial models and prepare pro forma statements.
. Liaison with relationship managers and senior management during the
credit approval process.
. Prepare reports for senior management.
. Provide continuing education to bank relationship managers/management
trainees on credit skills.
. Trained correspondent bankers, earning fee income for the Credit
Department.
. Prepared pro forma statements for clients, earning fee income for the
bank.
Secured Lending Field Examiner 1980-1981
. Conducted field examinations on secured commercial borrowers.
. Evaluated customers' recordkeeping systems and financial statements.
. Verified the soundness of customers' internal operating controls.
. Verified potential risks or fraud.
. Conducted compliance audits of Dealer Floor Plans.
. Prepared detailed reports for division heads, and senior management.
JEFFERSON COUNTY BOARD OF EDUCATION, Louisville, KY 1978-1980
Substitute Teacher
. Emergency Teaching Certificate - State of Kentucky.
. Taught business and mathematics in senior and junior high schools.
MILITARY EXPERIENCE
KENTUCKY ARMY NATIONAL GUARD 1977-1995
Staff Sergeant
. Honorable Discharge.
. Secret clearance.
. Honor graduate Army Finance School and Army Chemical Warfare School.
. Graduated from the Kentucky Military Academy's Noncommissioned
Officers Course.
. NCO in charge of NBC Operations.
. NBC Team Leader for 13 men.
. Brigade Section Chief of the Judge Advocate General's enlisted staff.
U.S. NAVY RESERVE 1968-1974
Petty Officer Third Class
. Honorable Discharge.
. Top Secret clearance.
STEVEN R. WILKERSON Page 3
EDUCATION
Bachelor of Science, Commerce, University of Louisville, Louisville, KY
1977
Associate of Arts, Jefferson Community College, Louisville, KY 1975
PROFESSIONAL DEVELOPMENT
. Ag Lending School - University of Louisville
. Analyzing Financial Statements - American Institute of Banking
. Credit Analysis School - National City Bank, Kentucky
. Leasing School - National City Bank, Kentucky
. Loan Review School - National City Bank, Kentucky
. Omega's Commercial Loans to Business - National City Bank, Kentucky
. Real Estate Lending - American Institute of Banking
. Small Business Lending - National City Bank, Kentucky
. Various Credit Underwriting Courses - Robert Morris Associates
. Xerox Professional Sales School - National City Bank, Kentucky
COMPUTER SKILLS
. Experienced using Microsoft Word and Excel.
. Excellent oral and written communication skills.
COMMUNITY INVOLVEMENT
. Site Base Council Member for the PTA at Louisville Male Traditional
High School.
. Booster and chaperone for the Male Traditional Show Chorus.
. Junior Achievement Instructor for middle school students.
. Tutor for the Jefferson County Public School's Everybody Reads
Program.
. Boys and girls coach Hikes Point Optimist League.
. Youth Ministry at Hillview Cumberland Presbyterian Church.
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