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Manager Management

Phenix City, AL
September 20, 2018

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J. Thomas Credle M.B.A

**** **** ******, ****** ****, AL 36867, Cell Phone:762-***-****


Career Summary

CBSeasoned financial and information technology professional with a proven record of success. I have an extensive background in financial and credit analysis having handled multi-million dollar analysis. I have experience developing complex financial models for the use of evaluating financial, real estate, and business assets. I have handled vendor and supplier management with experience negotiating and drafting binding documents. I have a proven record of successful leadership of high performing teams and executive management. Business units under my management have routinely had their highest ever annual financial performance. Seasoned project manager with experience with complex information technology and business development project implementation. I am well versed with a diverse set of IT applications and methodologies to include application administration, database management, and software development. Finally, I have a proven record of sales management and personal business development selling complex financial products and tangible goods.

Business Experience & Achievements

F & M Bank and Trust Company, Columbus GA Vice President, 2018 to 2018

Managed banking operations for F&M in the Columbus Market. While handling direct management of loan production office successfully increased both deposit and loan production. Results of outside sales to potential new clients and effective management of an existing portfolio of customers facilitated increased profitability for location. Directly handled initial loan underwriting, presentation for approval, and managed the loan closing process. Implementation of new client deliverables, financial modeling, and forecasting tools decreased time to close and increased customer satisfaction ratings


Increased loan production for Columbus market by 38% over same period year of year

Increased core deposit growth by 10% over the same period year over year

Successfully moved multiple prior customers to F&M based on strength of prior relationships

Implemented new online document storage procedures to streamline document imaging and facilitate a reduction in document exceptions

Developed new global cash flow analysis and loan approval models to increase underwriting efficacy and allow for more complex loan stress and variable performance analysis.

Developed and implemented new loan application deliverables to streamline the application process and decrease burdens on customers and decrease time to close for loans.

Ram Hotel Management, LLC, Columbus, GA Vice President Accounting & Finance / CFO, 2017 to 2018

Direct management of all Finance and Accounting operations for multi-state hotel developer & operator. Responsible for generation of all financial reports. Assisted and had oversight of tax accounting and delivery of appropriate tax returns. Oversight of preparation of GAAP compliant accounting statements.

Directly responsible for enhancements to capital management operations to include diversification of capital stack for new development and purchase of hotel properties. Expanded utilized capital sources to include equity, debt, municipal bond and mezzanine financing structures. Lead multiple concurrent property acquisitions with complex debt structures including the introduction of debt facilities such as interest rate swaps and CMBS non-recourse financing. Secured equity investment from a diverse pool of independent investors and handled investor management to include the development of new investor financial reports. Implemented e-signature, client FTP portal, and enhanced quarterly investor reporting to enhance and simplify investor experience and requirements.

Developed complex quantitative financial models to assess the performance of existing properties. Custom reports developed for senior management and property management. Designed quantitative models to assess the viability of the purchase of existing hotels. Designed multi-factor models to forecast potential property acquisitions or development of new hotel properties. Redesigned AP and AR process to enhance financial data integrity improving accuracy of financial reporting. Oversaw development of property and division annual budgets. Develop pro forma projections for new projects and properties. Streamline financial monthly reporting for management reports for all existing 13 hotel properties currently under management & 7 properties under development.


Implementation of new accounting SOP reduced monthly accounting book close time from 30+ days to 15 days

Development of valuation models increased accuracy for new property acquisitions and property comparative metrics. Allowed for multi-factorial analysis of diverse data elements to facilitate speed and accuracy of estimates

Adoption of new valuation models decreased average time to issue of LOI by several days and significantly improved property projections for financial performance

Redesign of financial reporting to senior and property level management increased decision-making time and allowed for better targeting of cost reduction and direct revenue enhancements

Decreased time to close for new property acquisitions to under 60 days

Deployed new online documentation cloud storage platform to improve security and speed of delivery of documentation to investors and lenders

Deployed online signature platform to significantly improve investor approval

Kinetic Credit Union, Columbus, GA Manager of Residential & Business Services, 2011 to 2018

Directly managed a staff of six support and lending staff. Through the effective development & addition of new SOP and team motivation, all departments posted increases to direct loan origination, product referrals, and member satisfaction. Business services roll out was accomplished under budget and exceeded most optimistic initial production forecasts. Responsible for department sales goal attainment, staff development, vendor management, and member relationship management. Performed initial underwriting of all home equity and member business loans. Directly originated member business loans up to $5MM. Managed loan participation of large credits. Served as primary point of contact for all vendors and handled due diligence and research for the addition of new vendors and suppliers. Platform administrator for all IT systems supporting operations of the division.

Achievements Residential Lending

Developed and implemented new branch referral and realtor outreach programs resulting in 43% year over year increase in 1st mortgage originations

Department generated the highest 1st mortgage origination volume in company history $22MM, in the second year under my management

Developed and implemented new consumer banking product referral system that increased department referrals of consumer lending products by 122% over the previous system

Redesigned home equity product offerings resulting in a 38% increase in equity loan originations over previous performance

Selected to PHH National Mortgage Advisory Board

Managed implementation and launch of a new online application system for residential lending loans

Awarded TIC Commitment to Excellence award in 2012 based on department performance gains

Achievements Business Services

Served as project manager for development and launch of TIC Business Services department

Designed structure & pricing of all TIC business banking deposit products, policies, and procedures

Designed structure & pricing of all TIC member business loan products& policies.

Exceeded total business membership target for year five in three years

Managed successful launch of TIC merchant services and receivables funding product

Exceeded break-even goal of five years and obtained department profitability in three years

Exceeded new loan production by 300%. Portfolio increased from $0 to $17MM in 4years with zero delinquent loans.

TIC Federal Credit Union, Columbus, GA Branch Manager, 2009 to 2011

Responsible for day to day management of all branch deposit and lending operations. Directly managed a staff of 15 and 1 assistant manager. Responsible for sales goal attainment, staff development, and branch budgeting. Served as the primary underwriter for all consumer lending loans originated in the branch.


Managed top performing branch in the company which produced the most new account openings and generated the highest loan production in the company

Implemented a new scheduling system that reduced branch overtime from an excess of 100 hours per month to less than 5

Implemented new employee recognition system and branch operation procedures that reduced branch turn over by 65%

Implemented new member service procedures that resulted in highest ever branch service level scores

Implemented new sales procedures that resulted in branch exceeding relationship per-member goal for the first time in over two years; Procedures increased branch loan production by 40% over the previous year

Regularly exceeded branch goal for share growth, relationships per member, credit life & disability sales

Development of assistant managers resulted in both assistant managers that worked under my direction being selected for branch manager promotions

TIC Federal Credit Union, Columbus, GA Assistant Branch Manager, 2007 to 2009

Assisted in management of all branch deposit and loan operations. Directly managed staff 15 employees. Responsible for origination of consumer loans, credit cards, credit life & disability insurance, auto loans & GAP insurance. Responsible for referrals to wealth management and residential lending departments. Assisted with underwriting for consumer lending of staff.


Exceeded individual deposit and loan production numbers

Implemented a new teller loan referral program which increased loan production by 25%

Implemented a new teller deposit referral program which increased loan production by 17%

Implemented a new brokerage referral program that increased referrals by 125%

TSYS, Columbus, GA Business Analyst, 2005 to 2007

Responsible for collecting client business functional needs and software functionality requirements and developing software designs to meet these needs. Delivered functional software designs to the programming team for development. Showed capacity thrive in extreme multi-task environment handling more than 20 concurrent development projects. Served as primary point of contact with client bank throughout the development process. Assisted with testing of new code and managed the migration of code through the development cycle. Directly designed systems to support credit bureau reporting and terms management. Assisted with the conversion of client banks from their current card processing platform to TSYS platform.


Handled multiple projects routinely working on 25+ concurrent projects

Supported development of new functionality for major company clients such as Bank of America and Capital One

Assisted in major new applications development projects to include conversion of Capital One and development of new Capital One credit bureau reporting, family card, and photo card projects.

Lead BA for support of client conversion of Capital One to the TSYS platform

Columbus Bank & Trust, Columbus, GA Commercial Underwriter, 2004 to 2006

Responsible for initial underwriting supporting business banking & client private group lending. Handled initial underwriting and credit recommendation for loans up to $20MM. Performed annual loan review and credit risk grade rating for large operating and complex commercial real estate credits up to $250MM. Experience with multi-family, hotel, operating, and construction loan analysis. Responsible for aggregate bank loan portfolio risk level analysis. Effectively handled multi-task environment providing complex analysis of high net-worth customers and delivering underwriting recommendations routinely ahead of deadline while supporting analysis staff with annual reviews of most complex bank relationships. Outstanding credit and cash flow analysis capabilities demonstrated through selection as an instructor to FACTS school and being lead OJT trainer for new analysts.


Assisted in department achieving two consecutive FDIC bank reviews with no recommendation for alteration of assigned risk grades

Selected to assist in initial credit review and exam preparation for new affiliate banks initial FDIC Exam

Graduate and instructor for Synovus Financial Accounting Credit School* Trained junior credit analyst

Critical Skills -

•Project Management - Successful project manager who successfully directing multiple projects specializing in business development and IT implementation

•Business Analysis - Experience with effectively understanding business end-user needs and conveying requirements to IT developer for code enhancement and development

•Vendor / Supplier Management - Experience negotiating and working with diverse stakeholders and third-party partners. Experience with negotiation and drafting of complex legal documentation and agreements. Proven record of maintaining long-term and mutually beneficial business relationship with key vendors

•Change Management - Proven effective change manager with success implementing new process and procedures, products, and business systems while securing subordinate buy-in and effective transition.

•Sales Management - Proven record of providing sales leadership that resulted in all time high financial performance for multiple business units under management

•Leadership - Proven record of reduction in turn over, improved employee satisfaction, improved customer satisfaction, and promotion of direct subordinate managers to more senior positions.

•Effective Multi Tasker - Proven ability to manage multiple projects concurrently with normal business obligations. Ability to prioritize and complete multiple tasks on time, under budget, with production above expectations.


Georgia Southern University, Statesboro, GA

MBA Management, 2001

GPA: 3.9, Major GPA: 3.9

Inducted into Beta Gamma Sigma national honor society

Selected as personal graduate assistant to Dean of Business

Selected to develop and implement a new recruiting plan for University MBA program that resulted in increased enrollment

Taught tutoring and review classes for undergraduate students in finance and economics

Performed quantitative analysis in a support role for publications in Micro Economics and the impact and adverse Macro factors on operations of production manager

Assisted with operations efficiency analysis by senior faculty for Wal-Mart Inc.

Georgia Southern University, Statesboro, GA

BS Psychology, 1999

GPA: 2.9, Major GPA: 3.4

Southern Ambassador for University

Inductee for Phi Beta Kappa

Inductee for The Order of Omega

Undergraduate publication for the philosophical paper titled "Inherent Subconscious Discrimination and Lack of Gender Neutral Pronoun"

Vice President of Inter-Fraternal Council

Varsity Cheerleader

Southern Ambassador

Volunteering and Causes

Board of Directors, Team Realtor for Phenix City Board of Realtors

Board of Directors, Creative South Group, Inc.

National Advisory Board, PHH Mortgage Corporation

Financial Education Instructor, Fort Benning Office of Financial Affairs

Financial Instructor, University of Georgia Small Business Development Center Grow Smart & LeadSmart Programs

Deacon, Summerville Baptist Church

Chapter Advisor, Pi Kappa Alpha Chapter (Columbus State University)

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