Real Estate Quality
Resume:
James Owens
Email: abqg46@r.postjobfree.com
Address: **** ***** *****, ***. **
City: Hebron
State: KY
Zip: 41048
Country: USA
Phone: 217-***-****
Skill Level: Management
Salary Range: $70,000
Willing to Relocate
Primary Skills/Experience:
See Resume
Educational Background:
See Resume
Job History / Details:
JAMES D. OWENS
2045 Downy Dr. Apt. 33, Hebron, KY 41048 abqg46@r.postjobfree.com 217-***-****
LOAN REVIEW OFFICER with experience at Busey Bank as SVP in charge of Loan Review. Formerly employed by Busey Bank for 23 years in Loan Review. Currently employed by Bankers Life and Casualty Company as a captive agent.
SUMMARY OF QUALIFICATIONS
* Commercial loan review officer handling multi-family, commercial real estate and agricultural loans.
* Voting member of Busey Bank`s Senior Loan Committee.
* Chairman of Busey Bank`s Reserve For Loan Loss Committee.
* Chairman of Busey Bank`s Retail Watch Committee.
* Second in charge of Busey Bank`s Special Assets Committee.
PROFESSIONAL EXPERIENCE
AGENT
May 2012 to Present
BANKERS LIFE AND CASUALTY COMPANY
Crestview Hills, KY
* Captive Agent selling life, health, supplement plans and annuities to clients of retirement age.
James D. Owens abqg46@r.postjobfree.com 217-***-**** Page 2
COMMERCIAL ANALYST
October 2010 to March 2012
FEDERAL HOME LOAN BANK
Cincinnati, Ohio
* Commercial analyst handling commercial real estate, agricultural, and multi-family loan reviews.
* Consumer analyst responsible for 1-4 family, second mortgage, and home equity loan reviews.
CONSULTANT-SPECIAL ASSETS
May 2010 to September 2010
BANTERRA BANK
Marion, IL
* Problem loan workout for the bank`s loan portfolio.
* Improved the quality of reports given to management and the Board.
* Worked closely with bank customers on loan restructures and forbearance
agreements.
CONSULTANT-SPECIAL ASSETS
October 2009 to March 2010
BANK OF ILLINOIS
Normal, IL
* Problem loan workout for the bank`s loan portfolio.
* Improved the quality of reports given to management and the Board.
* Worked closely with lenders to enable maximum return on problem assets.
* Worked closely with bank customers on loan restructures and forbearance agreements.
James D. Owens abqg46@r.postjobfree.com 217-***-**** Page 3
SPECIAL ASSETS
June 2009 to August 2009
BUSEY BANK
Champaign, IL
* Early detection of bank`s problem loan portfolio.
* Developed -Action Plans- for correction of problem loans.
* Participated in the development of bank`s three grading systems
* Worked closely with lenders to enable maximum return on problem a
LOAN REVIEW
October 1987 to June 2009
BUSEY BANK
Champaign, IL
* Maintained asset quality rating on 1 by the FDIC and State Examiners.
* Maintained overall 1 rating for the bank during this twenty-year period.
* Developed Action report and Track report to determine credits requiring action; by the customer or the bank (Action Report) verse credits that resolved their credit problems requiring only monthly monitoring (Track Report.
* Second in charge of all Due Diligence reviews of Busey Bank. Out of 20 sum reviews, we purchased approximately four of those banks.
* Conducted quarterly Reserve Meetings in accordance with Call Reports.
* Chairman of monthly Retail Watch Committee.
* Determined the adequacy of the Reserve for Loan and Lease Loss.
* Assisted in the development of the bank`s loan policy and maintained annual updates.
* Oversaw nine credit analysts and the memos that went to loan committee.
* Established incentive program for analysts based on quality of the memo and production.
* Oversaw the completion of Regulation O reports for the Bank`s directors/executive officers and monitored the bank`s compliance with the Affiliates Laws. Also, I was a resource for Directors and Executive Officers due in large part to my National Bank Examiner designation.
James D. Owens abqg46@r.postjobfree.com 217-***-**** Page 4
NATIONAL BANK EXMINER
June 1982 to September 1987
COMPTROLLER OF THE CURRENCY
Houston, TX
* Commissioned to National Bank Examiner in just over four years.
* Worked in both small and regional banks and several large city banks.
* Was Examiner In Charge of a bank recommended for closure due to 160 violations, numerous asset quality problems and deception management practices.
* Transferred to the Decatur, IL duty station in May 1984 under the supervision of Field Manager Richard L. Lacey
EDUCATION AND TRAINING
BACHELOR OF SCIENCE - FINANCE
UNIVERSITY OF WISCONSIN
EAU CLAIRE, WI
MASTER OF BUSINESS ADMINISTRATION - FINANCE
UNIVERSITY OF MINNESOTA
MANKATO, MN
TRAINING
SHARED NATIONAL CREDIT PROGRAM GRADUATE SCHOOL OF BANKING
CHICAGO, IL MADISON, WI
REFERENCES
Barb and Dave Kuhl Lee O`Neill
101 Greencroft Drive 827 County Road, 1500 East
Champaign, IL Tolono, IL
217-***-**** (Home) 217-***-**** (Home)
Ed Scharlau John Bramfeld
Vice-Chairman, Busey Bank Attorney, Busey Bank
301 Sherwin Drive 915 W. Springfield Avenue
Urbana, IL Champaign, IL
217-***-**** (Home) 217-***-**** (Home)
217-***-**** (Office) 217-***-**** (Office)
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