Manager Vice President

Scott Posey **** Carolwood Drive Jackson, MS

****1

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

601-***-**** (Cell) 205-***-**** (Office)

Career Profile and Objective

. High performing and motivated credit risk manager with a consistent track

record of planning and leading risk management initiatives

. Seeking a leadership role in risk management with a progressive bank

where my analytical, problem-solving and interpersonal skills are fully

utilized and stretched

Selected Career Achievements

Credit Risk Management

. Extensive experience in all types of credit with focus on commercial real

estate and middle market lending.

. Developed quarterly analysis process of metro markets to assess changing

and emerging credit risks by commercial real estate (CRE) product.

Conclusions used to manage risks in a $25 billion portfolio through

refinement of policies and approval lines and setting of market / product

concentration limits and moratoriums.

. Developed credit policies and procedures to strengthen underwriting and

servicing.

. Enhanced the granularity of CRE product concentration limits and

moratoriums by expanding bank-wide limits to state and metro areas based

on market-specific risk profiles and trends.

Allowance for Loan and Lease Losses

. Developed the risk rating methodology for a $2 billion bank to improve

credit risk stratifications in the portfolio and accuracy of loan loss

reserve allocations.

. Led the allowance for loan and lease losses (ALLL) process.

Responsibilities included determining appropriate allocation rates for

portfolio segments based on credit quality metrics and trends, portfolio

stress testing and economic / industry analysis.

Credit Review / Due Diligence

. Developed and led the restructuring of the credit review process at a $14

billion bank utilizing risk-based approaches to planning, resource

allocation, file review and reporting.

. Planned and led targeted initiatives to improve the underwriting and

servicing of middle market, residential development and private banking

lending.

. Developed continuous monitoring process to enhance the timeliness and

communication of credit risk assessments with dashboard views of risk by

product, market and new approvals.

. Planned and led due diligence reviews of acquisition candidates.

Developed standards for scoping, analysis, documentation, reports and

loan loss reserve calculations.

Regulatory Perspective

. Maintained relationships with regulators and credit risk managers to keep

abreast of the regulatory focal points and evolving credit risk

management techniques.

Experience and Leadership

Regions Financial Corporation, Birmingham, AL

2007 to Present - Vice President and Senior Risk Manager / CRE Portfolio

Manager

. ALLL analysis and documentation

. CRE Portfolio Risk Manager ($25 billion portfolio)

. Quarterly CRE Risk Assessment (focus on risk drivers and

management strategies)

. Stress testing of various loan product portfolios

. Quarterly CRE concentration limits and moratoriums by product

(improved granularity by expanding bank-wide focus to state and

metropolitan markets)

Scott Posey

Experience and Leadership - continued

The South Financial Group, Greenville, SC

2006 to 2007 - Senior Vice President and Credit Review Manager

. Credit Review Manager ($14 billion bank in SC, NC and FL with

staff of ten)

. Restructured credit review function (risk-based scheduling and

sampling methods; efficiencies in work flow and communication)

. Continuous monitoring and reporting process (dashboard

monitoring of portfolio conditions / trends by unit and product

type)

Trustmark National Bank, Jackson, MS

2000 to 2006 - Vice President and Senior Credit Review Officer

Cadence Bank, Starkville, MS

1999 to 2000 - Vice President and Senior Loan Review Specialist

AmSouth Bank (now Regions Bank), Birmingham, AL

1997 to 1999 - Vice President and Commercial Team Leader

Deposit Guaranty National Bank (now Regions Bank), Jackson, MS

1991 to 1997 - Vice President and Loan Review Specialist III

. Lead credit risk examiner in 4 banks ranging from $1.5 billion

to $42 billion in assets

. Credit analysis skills (all consumer and commercial loan and

collateral types).

. Due diligence process (developed procedures for consistent and

comprehensive process for sampling, analysis, reporting and

loan loss reserve evaluation)

. Credit risk and efficiency initiatives:

. Risk rating methodology (expanded from 4 to ten grades)

. Risk matrix (risk-based scheduling / scoping)

. Automated review documentation (improved efficiency /

consistency)

. Horizontal reviews (identify geographic variances in

underwriting / servicing)

Office of the Comptroller of the Currency (OCC), Jackson, MS

1985 to 1991 - National Bank Examiner and Training Team Leader

. Examiner-in-Charge (EIC) of Safety and Soundness examinations

and Compliance examinations of nationally-chartered banks in the

Southeast.

. Training Team Leader (planned and led the training of newly-

hired examiners during a nine month training program

Professional Geophysics, Inc., Dallas, TX

1981 to 1985 - Accountant

. Prepared financial and regulatory reporting for seismic

exploration company and oilfield supply retail subsidiary

Education

Bachelor of Business Administration - Finance (1981)

Mississippi State University, Starkville, MS

. Magna Cum Laude Graduate & President's Scholar

. GPA: 3.8 Major / 3.6 Overall

References

Available on request

Contact this candidate