Customer Service Real Estate

RON REESE

*********@*****.*** § 770-***-****

PO Box 236, Bowdon, GA 30108

SEN I O R C RED I T A NAL YST

EXECUTIVE SUMMARY

Senior Analyst with 11 years of credit and lending experience in retail and commercial markets. Apply strong policies,

systems, and procedures that increase profits and reduce costs. Exceed objectives for productivity and performance

with effective, meticulous approaches.

AREAS E XPERTISE :

OF

CREDIT A NALYSIS – RETAIL L ENDING – PROJECT M ANAGEMENT – REGULATORY COMPLIANCE

RELATIONSHIP M AINTENANCE – COMMERCIAL U NDERWRITING -USDA U NDERWRITING -SBA U NDERWRITING

P ROFESSIONAL E XPER I E N C E

SPECTRUM FINANCIAL NETWORK, INC- Jonesboro, GA 2012 to 2013

Provides a resource for government guaranteed loans, including both the USDA and SBA program resources

C ONTRACTOR /CONSULTANT

Provide commercial underwriting support and advice on loans programs as well as new market potential.

Underwriting and packaging of USDA and SBA loans.

Structuring of USDA and SBA loans

Gather all information from customer and participating bank

Provide customer service to both customer participating and bank.

C ERTUS B ANK /F IRST G EORGIA B ANKING C OMPANY – Carrollton, GA 2005 to 2012

A $1.8B community bank with 30 branches across the Southeast U.S.

SENIOR C REDIT ANALYST /SENIOR L ENDING O FFICER

Provide oversight for $100M of bank assets and credit. Review, analyze, and approve simple and complex loans for

real estate development, farming, manufacturing, commercial, industrial, hospitality and medical sectors. Holds

approval authority of

$250K, co-authorized approval to $500K and recommended commercial loans over $1M to Finance Committee of the

Board.

Approved and underwrote 150+ loans per year.

Served as acting Senior Lending Officer for three markets.

o Improved company performance and customer service in each market. Strengthened community relations.

improved market yield rates on interest- and fee-derived income as well as overall loan structure.

Increased net interest margin by 2% by introducing credit risk-based pricing and grading for commercial customer

and real estate loan portfolios.

Established a construction monitoring system that, upon implementation, cut loan over-dispersal to zero and

eliminated losses on construction projects in progress.

Structured policy for new and renewed business and commercial loans.

Directed preparation for annual bank exams, resulting in no significant findings by examiners.

Established formal credit review and underwriting department for commercial loans. Served on Loan Review

board.

C ITIZENS B ANK AND T RUST OF W EST G EORGIA – Carrollton, GA 1995 to 2005

$519M bank with 9 branches serving the Carrollton area. Became Bank of North Georgia following a 2008 merger.

C OMMERCIAL U NDERWRI TER I I, 2004-2005

Responsible for all relationships over $1M. Made sure all loan documents were on file, packaged properly, and sent out

for processing. Provided oversight for underwriting process from credit approval to closing documents. Established

formal commercial underwriting department.

L OAN R EVIEW /C REDIT O FFICER, 2001-2004

Managed loan review on relationships of $500K+. Monitored all credit activities, deposit relationships, supported

commercial lenders and all bank lenders. Prepared bank for FDIC internal audits and state regulatory exam; ensuring

proper documentation procedures were implemented and regulations were met. Served as day-to-day contact as well

as correspondent for FDIC and state regulatory examiners.

SENIOR L OAN D OCUMENTATION SPECIALIST, 2000-2001

Graded credit risk of commercial loans. Analyzed financials and cash flow for commercial customers and a real estate

loan portfolio. Properly documented all loans to ensure minimal risk of later deficiencies. Prepared loan-approval

packages for new or renewed loans. Prepared bank for annual exams, resulting in no material deficiencies reported.

Developed strong relationships with bank examiners. Reported to Senior Officers and Finance Committee.

T ELLER ASSOCIATE, 1999-2000

N IGHT C USTODIAN, 1995-1999

R ON R EESE § R ********@*****.*** Page 2

R & B, INC. – Carrollton, GA 1997 to 1999

$178M automotive aftermarket supplier.

SHIFT SUPERVISOR

Scheduled work detail. Supervised inventory replenishment, maintained records, and solved inventory/production

problems.

E DUCATION

Bachelor of Business Administration in Finance, West Georgia College, Carrollton, GA

T E C H N O L O G I C A L SK I L L S

Microsoft Office Suite, Moody’s Risk Analyst, MetroStudy

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