Commercial Portfolio and Relationship Manager
Resume:
DONALD DUNCAN
Kansas City, MO *****
PROFESSIONAL SUMMARY
Skilled experienced banking professional with a diversified career in
commercial lending and portfolio management, branch banking center
management and consumer loan profit center management.
SKILLS
Written and oral communication Dependable
• •
Experience and knowledge Creative
• •
Leadership Work ethic
• •
Mentoring Underwriting/cash flow analysis
• •
Perseverance Organizational skills
• •
Decisive Problem solver
• •
WORK HISTORY
VP Commercial Portfolio Officer
03/2010 to
Bank of America – Kansas City, MO
10/2014
• Managed large ($78 million) portfolio of diversified and classified commercial loans to
assess overall financial viability. Prepared complex written historical credit analysis for the
approval of executive level management which included industry, market, competitor and
stress test analysis with recommended credit risk grade and strategy toward resolution.
Managed the full commercial product relationship of the assigned client to included CRE,
CRLOC, LOC, CCC, treasury products and deposit accounts
• Advised and coordinated with assigned outside counsel and OREO team members in
regards to legal strategy and procedure. Reviewed and assessed commercial appraisals and
environmental phase I & II reports.
• Worked closely with portfolio operational assistant, commercial documentation and other
bank team members on a daily basis.
SVP – Commercial Loan Officer
06/2008 to
First State Bank & Trust – Tonganoxie, KS
01/2010
• Assigned the responsibility to prospect, originate, develop, underwrite and managed new
commercial loan relationships in the Lawrence KS market with an annual goal of $5
million.
• Assigned additional responsibility of $7 million in classified CRE loans and OREO property
to managed workout, litigation and foreclosure process.
VP – Commercial Branch Manager and Senior Market Loan Officer
03/2003 to
Bank of the West – Gunnison & Delta, CO
06/2008
• Successfully managed $55 million full service bank branch with 18 FT associates.
• Managed $40 million loan portfolio (2 loan officers) as chairman of the regional loan
committee with assigned lending authority.
Branch President and Senior Market Loan Officer
09/200 to
Community Banks of Colorado – Gunnison, CO
03/2003
• Managed a $25 million full service commercial bank branch with 7 FT associates.
Additional responsibility as the senior market lender and chairman of the local two bank
credit committee with $500,000 lending authority.
SVP – Consumer Loan Department Manager
11/1997 to
American Sterling Bank – Sugar Creek, MO
08/2000
• Managed an $84 million consumer loan profit center (direct and indirect) with 5 FT
associates with an assigned personal lending authority of $100,000.
• Voting member of Loan Committee and ALCO.
• Researched, procured, installed and maintained an automated on line consumer
application and underwriting system with credit scoring analysis and approval processing
capabilities.
VP – Centralized Consumer Loan Department Underwriting Manager
08/1995 to
Commerce Bank of Kansas City – Kansas City, MO
11/1997
• Managed automated underwriting process and supervised 8 FT loan officers and 8 FT
administrative assistants in a large centralized direct and indirect consumer loan center
($1.3 billion under management) with a $50,000 assigned lending authority.
• Maintained indirect lending relationships with over 100 automobile dealerships through 3
states.
• Additional responsibilities included the analysis and maintenance of a new consumer loan
credit scoring system which combined and blended a proprietary credit score with a FICO
score to result in a final consumer risk score assessment.
VP – Consumer Loan Department Manager
08/1988 to
UMB Bank Kansas (fka Commercial National Bank) – KCK & Overland Park, KS
08/1995
• Managed a traditional (application to payoff) $60 million consumer loan department with
8 FT associates and an assigned individual lending authority of $100,000.
VP – Consumer Loan Officer
05/1980 to
Centerre Bank NA – Kansas City, MO
08/1988
• Consumer Loan Officer in a traditional consumer loan department with primary
responsibility for the origination or new indirect dealer and commercial leasing
relationships and underwriting process and collection responsibility.
EDUCATION
Bachelor of Business Administration in Finance & Economics
Rockhurst University – Kansas City, MO
GPA – 3.783 in 84 hours of Majors & recipient of the Wall Street Journal Award for academic
achievement.
Commercial Lending and Bank Management
Graduate School of Banking Madison, WI
AFFILIATIONS
Lawrence KS Central Rotary Club / Delta Rotary Club / Gunnison Rotary Club (President and
Board Member) / Director of the Gunnison Valley Economic Development Council / Board and
co founder of two Gunnison CO local non profit organizations / Gunnison Valley Leadership
Program / March of Dimes Walkathon (11 years) and Walkathon Committee member (4 years) /
United Way Coordinator / Independence MO Leadership Program / Rockhurst University
Alumni.
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