Management Manager

R. L. (Rick) Stein, CPA

**** ****** ****, *********, ** 76063

Email: **********@*****.*** Phone: 817-***-****

SUMMARY OF QUALIFICATIONS:

Over 20 years of Developed Policy and Responsible for Credit

experience Procedures Management

Established and Managed Originated Commercial Underwrote Commercial

SBA Dept. Loans Loans

Reviewed and Revised Loan Performed Analytical Loan Interfaced with Senior

Policies Reviews Management

Performed Due Diligence Evaluated New Loan Received Formal Credit

Reviews Requests Training

Supervised and Developed Achieved Financial Assigned Risk

Staff Objectives Classifications

Professional Profile

< 20 plus years experience in banking, lending and management

< Skilled in SBA Lending, Credit Analysis, Forecasting, Budget

Management and Market Penetration

< Solid track record in Coaching, Strategic planning, Vendor and

business Development/Relationships

< Demonstrated expertise in setting up organizational strategies and

optimizing operational efficiency

< Excellent communication, leadership, trouble-shooting and motivation

skills that efficiently interact with staff, clients, community

leaders and management

< Skilled user of Microsoft Office

Professional

Experience

R.L. Stein, CPA - Commercial/SBA Loan Review & Tax Consultant 2004 to

Present

. Performed analytical reviews of entire Commercial Bank loan portfolio

. Evaluated new loan requests and recommended appropriate structure to

senior management

. Prepared reports of findings for senior management

. Over 250 tax returns prepared in 2013

United Community Bank - Loan Officer and SBA Dept. Manager 2001-2004

. Originated, underwrote, and presented commercial loans to the Board of

Directors

. Expanded and improved the operating efficiency of the SBA Lending

Program

. Obtained Preferred status from the SBA allowing the Bank unilateral

authority

. Achieved long-term financial objectives established by the Board of

Directors

. Voting member of the Executive Loan Committee

Bank of North Texas - Senior Commercial Loan Review Officer 1990-2000

. Revised loan policy to insure compliance with all laws and regulations

. Performed analytical reviews of loan portfolio including past due and

concentration analysis

. Developed and revised policies & procedures to insure compliance with

all laws & regulations

. Interfaced with senior management, regulators and external auditors

. Determined the adequacy of the reserve for loan losses in accordance

with OCC guidelines

. Non-voting member of the Executive Loan Committee

MCORP - Credit Officer 1987-1990

. Reviewed the loan and investment portfolios of the main bank and its

affiliates

. Prepared reports of findings for senior management

. Assigned risk classifications in accordance with OCC definitions and

determined appropriate reserves

. Performed due diligence reviews of financial institutions considered

for purchase

MBANK MANSFIELD (fka Mansfield State Bank)

1984-1987

Developed and implemented policies and procedures for loan review and the

credit/loan department

Evaluated new loan requests and recommended appropriate structure to senior

management

Voting member of the Loan Committee

Received formal credit training at MBank Fort Worth

Arthur Andersen & Co.

1982-1984

Performed audits of Banks, Governmental Agencies, etc.

EDUCATION: Texas Wesleyan University, Fort Worth, Texas, 1982 BBA Finance

and Accounting

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