Manager Management

F. Vern Dwight - RESUME

**** ******** ***** *******, ********** Park, Florida 34201

Home Phone 941-***-**** Cell 941-***-****

**********@***.***

P R O F E S S I O N A L P R O F I L E

I am a senior bank lender and senior credit analyst who has

developed an extensive list of disciplines and a keen

attention to detail in Financial Analysis, Commercial Credit

Underwriting, Credit Administration, Commercial Loan

Portfolio Management, Middle Market Lending, Finance, Social

Services Management, Loan Workouts, Auditing, and Training.

P R O F E S S I O N A L O B J E C T I V E

I am looking for a fulltime or contract employment position

which will utilize my excellent management experience, verbal

and written communication skills, computer skills, analytical

skills, and my report writing creativity.

P R O F E S S I O N A L E X P E R I E N C E

2009 - 2009 V.P. Credit Department Manager, Flagship National Bank

(Sarasota, FL)

Established the Bank's Credit Department, updated the Loan

Policy Manual and created commercial loan board reports to

meet new regulatory requirements, evaluated and helped

structure new and renewal loan requests, completed annual

reviews on borrowing relationships >$250,000 and assigned

appropriate risk grade, tracked loan covenants, evaluated and

analyzed commercial workout and non-performing loans,

assisted Controller in refining stratification and

methodology calculations regarding ALLL.

2007 - 2009 V.P. Commercial Credit Manager, Century Bank (Sarasota, FL)

Managed the Bank's Commercial Credit Department, evaluated

and helped structure new and renewal loan requests, completed

annual reviews on borrowing relationships >$500,000 and

assigned appropriate risk grades, tracked loan covenants for

compliance, evaluated and analyzed all commercial borrower's

financial data, obtained and evaluated credit and background

investigations, updated Loan Policy Manual and completed

commercial loan board reports.

2003 - 2007 V.P. Credit Administration, Peoples Community Bank (Sarasota,

FL)

Supervised the bank's credit function, worked with Lenders in

evaluating, structuring, and working up new and renewed

loans, conducted annual reviews of large borrowing

relationships, processed credit inquires and investigations,

conducted credit training, reviewed commercial/residential

appraisals, conducted covenant compliance reviews, prepared

and monitored loan participations, worked with borrower and

CPA to evaluate and analyze financial data, evaluated risk

grades, worked with legal council regarding non-performing

credits that have loss potential, and closed new and renewal

loans for lenders, as needed.

2002 - 2003 V.P Credit Manager, Coast Bank of Florida (Bradenton, FL)

Responsible for underwriting new loan proposals, conducting

annual reviews on existing borrowing relationships, loan

officer and analyst training, and other duties similar to

those at First State Bank.

2002. A.V.P. Credit Department Manager, First State Bank (Sarasota,

FL)

Supervised the bank's credit function, worked with Lenders in

evaluating, structuring, and working up new and renewed

loans, conducted research and due diligence reviews,

processed credit inquires and investigations, conducted

credit training, reviewed appraisal reports, oversaw follow

up on loan exceptions, conducted covenant compliance reviews,

prepared and monitored loan participations, and interviewed,

evaluated, and analyzed commercial loan applicants directly,

plus closed loans as needed.

2000-2001 A.V.P. Commercial Loan Officer, First State Bank (Sarasota, FL)

Maintained loan portfolio, called on new and existing customers,

spread & analyzed financial statements, completed due

diligence investigations for prospective loan transactions,

structured loan proposals, documented and closed approved

loans, conducted loan collection activities, trained and

acted as mentor for junior loan officers, and participated in

community activities to promote bank visibility.

1998-2000 A.V.P. Credit Administration, First State Bank (Sarasota, FL)

Responsible for the bank's Credit Analyst function, including

supervising credit analysts and loan operations personnel,

monitoring loan policy guidelines, helping lending staff

evaluate risk on existing and new loan proposals through

financial analysis, and assisting in loan structuring and

policy compliance. Identified deteriorating credit

relationships and worked with Senior Lender to restructure

credit and minimize losses. Assisted in special projects.

1995-1998 Executive Director, O.C.I.A. (Omak, WA)

Implemented, marketed, and administered a federally funded loan

program designed to assist start-up and new emerging

businesses with affordable financing. Also provided technical

assistance before and after the loan, to insure financial and

managerial success. Conducted various fund raising efforts,

as well as personally conducted presentations to community

groups to educate them on the loan program and solicit

financial support.

Prior to 1995 Prior professional experience includes:

V.P. and Lender for a regional commercial bank; Internal

Credit Examiner for a large commercial, agricultural, and

consumer branch banking lender; Senior Loan Officer for a West

Coast community bank; and a Commercial Leasing Agent for an

independent leasing company.

E D U C A T I O N

UNIVERSITY of WASHINGTON NORTH SEATTLE COMM. COLLEGE

Attended Business School International Trade

Program

OHIO STATE UNIVERSITY BELLEVUE COMMUNITY

COLLEGE

Credit Management Studies Computer Information

Systems

NATIONAL DEVELOPMENT COUNCIL

Equity & Venture Capital Financing

A C C O M P L I S H M E N T S & S K I L L S

? Auditing

< Asset Based Lending

< Automated Financial Systems

< Board Reports

? Budget & Expense Control

? Commercial / Industrial Business Loans (C&I)

? Computer Literacy (Power Point, Outlook, and

Office2007, including Word & Excel)

? Consumer Loans

? Credit Administration

? Debt Restructuring

? Financial & Economic Analysis

? Implementation of Start up Organizations

< International Banking

< Internet Research

? Loan Documentation

< Loan Operations

< Loan Workouts

? Management Report Development

< Management & Supervision

? Participation Loans

? People Recruitment, Management, and Supervision

? Research (Economic, Market, and Demographic)

? SBA Loans (7a, 8a, 504)

? Training

A F I L I A T I O N S

Chamber of Commerce Robert Morris & Associates

Dun & Bradstreet

Kiwanis International Pacific Coast Banking School

SBDC Lenders Network

Rotary International National Assoc. of Cr

Mgmt. The Credit Group-Sarasota

Risk Management Assoc. Experian for Business

and Manatee County

Contact this candidate