finanical analysis, cash flow analysis, negociation skills
Resume:
S C O T T H A I L E Y
*** **** **. *********, **. 750**-***-*** 2021 *************@*****.***
CAREER SUMMARY
COMMITMENT ANALYSIS INTEGRITY
An experienced banking professional with over 18 years of underwriting and decision making with
the best interest of shareholders, customers, employees, and the public in mind. Very
knowledgeable in credit underwriting, risk management, banking regulations and a proven track record
of maintaining the necessary procedures to ensure compliance. Dedicated to a reputation built on
quality, service, and uncompromising ethics.
EDUCATION
BACHELOR OF BUSINESS ADMINISTRATION IN FINANCE
Texas State University – San Marcos, TX
SKILLS ASSESSMENT
Cash Flow Analysis Personnel Management Strategic and Tactical Planning
Risk Management Management Reporting Real Estate Lending
Commercial Credit Team Building Regulatory Compliance
Underwriting Portfolio Management Business Development
Loan Structuring Easily Adaptable to New Software
Microsoft Excel/Word
Negotiate Loan Provisions
PROFESSIONAL DEVELOPMENT
Wells Fargo College of Commercial Credit
•
Cash Flow Analysis Training
•
Financing a Closely Held Business Training
•
Leadership Effectiveness Training
•
Executive Management Training
•
Wells Fargo Bank Leadership Training
•
American Bankers Association: School of Commercial Lending
•
All Bank Regulatory Training
•
CONTINUED …
SCOTT HAILEY
PROFESSIONAL EXPERIENCE
Sanger Bank 2014 2014
Landmark Bank – Texas 2012 2014
Wells Fargo Bank, NA (DFW) 2001 2012
Arvest Bank Group – Tulsa, OK. 1996 2001
SANGER BANK 7/14 10/14
ICE PRESIDENT/ LENDING – SANGER TX
V
Manages a portfolio of commercial, mortgage loans and consumer loans that total approximately
$16 Million dollars. Profiles and manages the client experience in order to fulfil their business and
personal financial needs.
Actively persues renewal of credit relationships, interview clients, evaluate business and personal
financial information to determine the financial condition of the client.
Evaluates and analyzes new and existing relationships, underwrites credit risk, writes credit memos,
originates, and closes loans.
Profile and interview new loan candidates for the bank.
Proactive in monitoring past dues and loan covenants in order to keep within bank policy and
minimize potential loses.
LANDMARK BANK – TEXAS 2012
2014
R. VICE PRESIDENT – POTTSBORO TX
S
Underwrites, analyzes, originates, closes loans and manages a loan portfolio including extension of
credit to personal and business clients. Monitors past dues, collateral exceptions, reducing or
minimizing problem assets. Ensures compliance with the loan policy and credit file administration.
Provides sales leadership and assists in the development and implementation of programs to
maintain and expand existing customer relationships, and the growth of new relationships.
Manages the Banking Services Manager, who oversees the retail operations of the bank.
CONTINUED …
SCOTT HAILEY
Exercises administrative and operational control over the functions and personnel of the office,
including fulfilment of local policy and explanation of the banks programs, policies, and procedures
and participates in the planning and implementation of the budget.
Responsible for income and expenses of the bank.
Works as a community liaison by participating in events and building relationships within the
community.
ACHIEVEMENTS
Board Member for Pottsboro Chamber of Commerce 2013
Board Member for Pottsboro ISD Education Foundation 2013
WELLS FARGO BANK, NA – TEXAS 2001 2012
ICE PRESIDENT / SR. BUSINESS RELATIONSHIP MANAGER
V
Effectively acquired, managed, and grew profitable account relationships with an extensive percentage of
complex and large sized business customers that have annual gross sales of generally more than $2MM and
less than $20MM.
Performed effective financial analysis and credit underwriting in the areas of credit, cash flow and
collateral.
Accurately assessed the financial needs of business clients in order to deliver an effective variety of
financial products and services to help the customer succeed financially.
Developed and implemented a sales plan while managing all phases of the sales cycle – from
prospecting, acquisition, implementation, closing and follow up support.
Ensured the overall success & growth of an assigned portfolio by deepening relationships of existing
customers and through the acquisition of new customers.
Proactively partnered with existing customers in order to fully understand their businesses, goals,
strategies and challenges.
Accurately assessed the financial needs of business clients in order to deliver an effective variety of
financial products and services to help the customer succeed financially.
Conducted regular risk assessments and quality assurance reviews to evaluate compliance for both
federal regulations and bank policies.
Effectively partners with other bankers and lines of business to deliver the full complement of
products and services.
Structured and completed straight forward and complex secured and unsecured business loans.
CONTINUED …
SCOTT HAILEY
Involved in senior management business level discussions and decisions on a weekly basis to access
and deploy business strategies.
Demonstrated sales experience, negotiation skills, leadership skills, portfolio management skills,
and finance acumen.
Excellent communications skills, mentoring other bankers and coaching experience.
Identifies potential problem credits, improve non performing loans, reduced delinquencies and
minimized losses.
ACHIEVEMENTS
Top Business Insurance Sales in DFW 2011
Top Five Loan Producer in DFW 2010
Top Treasury Management Sales in DFW 2007
Graduated from the Wells Fargo College of Commercial Credit in 2005
Top Five Loan, Revenue and Deposit Producer in DFW 2004
ARVEST BANK GROUP – TULSA, OK. 1996 2001
Advanced my career from Manager Trainee, Credit Analyst to Commercial Lender during my time with this
bank.
CONTINUED …
Contact this candidate