TROY WRIGHT

COMMERCIAL LENDING / BANKING PROFESSIONAL

Exceptional Financial/Banking Background Communicative Ability Commercial Lending Expert

OBJECTIVE

Experienced and well-versed banking and lending professional seeking an opportunity to help facilitate growth and profitability. Primary strength in business development, loan production, and credit analysis. Previous experience building new portfolios and success in starting 2 De Novo branches. Business professional, well connected and respected. Looking for an opportunity with a growing organization seeking long term career stability.

PROFESSIONAL EXPERIENCE

Vice President, Market Manager

Union State Bank, West Des Moines, IA 2010 – Present

Provide critical loan portfolio generation and conflict resolution services for Union State Bank’s previously underperforming location. In addition to other general managerial functions, work to develop loan volume within the corporation.

• Lending Assessment Responsibilities

o Analyze credit and financial history in order to make educated decisions regarding commercial and residential lending.

o Involved in loan committee approvals and decisions for larger credits.

• Lending Processing and Development Responsibilities

o Handle a variety of commercial and residential lending accounts.

o Analyze and spread credits to ensure prudent lending decisions.

o Manage lending portfolios, soliciting additional business and guaranteeing the satisfaction and maintenance of existing lending accounts.

• Staff Management / Human Resources Responsibilities

o Manage a staff of 4 banking professionals

• Key Achievements

o Developed a new portfolio to $10.4 million, in 36 months.

o Top producer bank wide 2011 and 2012.

Vice President, Banking Center Manager

Vantus Bank/Great Southern Bank, West Des Moines, IA 2006-2010

Within a De Novo branch, assisted in the development of deposit and loan volumes by soliciting new business, developing accounts, and assisting staff in achieving loan objectives.

• Lending Assessment Responsibilities

o Fielded lending accounts within the local small business community.

o Accumulated financial, business operation, and market data for analytical purposes.

• Staff Management / Human Resources Responsibilities

o Directed the operations of a staff of 6 professionals.

o Collaborated with management to elucidate lending and financial growth objectives.

• Key Achievements

o Top producer companywide in percentage to overall goals, 2008.

Assistant Vice President, Branch Manager

Liberty Bank, West Des Moines, IA 2002 – 2006

Similar to the work with Great Southern Bank, performed critical portfolio development services in a De Novo branch. Worked to garner increased individual or business clients, assist such clients through the loan process, and market corporate services that met their risk assessment.

• Lending Assessment Responsibilities

o Analyzed application financial status, credit, and asset evaluations in order to determine the overall feasibility of offering loans. Obtained and compiled all document copies.

o Explained loan and credit options to all potential loan accounts.

• Lending Processing and Development Responsibilities

o Continually worked with clients to ensure they had access to realistic payment options.

o Supervised repayment progress and suggested additional assistive services to clients.

• Staff Management / Human Resources Responsibilities

o Monitored staff of 5 employees in their daily task delegations and customer activities.

o Fielded all inquiries related to methods of lending, loan processes, and other vital information required for successful loan operation.

• Key Achievements

o De Novo location became profitable in first 36 months of operation

Banker/Manager Trainee

Wells Fargo Bank, Des Moines, IA 2001 -2002

Worked along side the Banking Center Manager training for advancement to Branch Manager or Small Business Specialist position.

• Sales and business development training

o Learned Wells Fargo customer profiling and sales techniques.

o Learned management and sales process and procedures.

Loan Officer

Earlham Savings Bank, West Des Moines, IA 1996-2001

• Lending Assessment Responsibilities

o Originate, underwrite, processed and closed commercial, residential and consumer loans.

o Interview clients to determine the best product and structure the loan appropriately to meet their needs.

o Bank officer and loan committee member integral in the credit approval process.

EDUCATION AND PROFESSIONAL DEVELOPMENT

Collegiate Education

Bachelor of Arts Degree

University of Iowa, Iowa City, IA 1989 – 1993

Professional Development

Commercial Lending Courses

IBA Commercial Lending School 2011

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