Jay N. Morris

**** *. ****** ******, ***. **-M

Denver, CO 80247

Cell 317-***-****

acs2qd@r.postjobfree.com

Credit Administration

Commercial / Consumer Lending Regulatory Compliance Special Assets

A solutions-focused bank executive with more than 15 years of experience as a Market President for a large bank with more than $3 billion in total assets. Proven ability to provide leadership and strategic execution of credit policy, reserve methodology, underwriting standards, loan quality, and overall credit administration. An expert in credit analysis with in-depth knowledge of credit products, risk assessment / risk mitigation, structuring, and pricing.

Critical Competencies Include:

Commercial / Non-Profit / Mortgage Lending Policy Development / Implementation Credit Analysis

Credit / Pricing Portfolio Management Client Management Loan Documentation / Loan Review

Regulatory Compliance Special Assets / Asset Recovery / OREO Loan Operations Risk Assessment

Professional Experience

Salin Bank & Trust– Indianapolis, IN 2012 to 2014

Vice President Credit Administration

Direct Reports: 1 Vice President – Retail Collections

Recruited to help improve the credit quality of a poorly performing loan portfolio during a particularly stressful period where the bank had a Memorandum of Understanding (MOU) assigned. Achieved overall change in credit culture through implementation of more thorough due diligence, credit analysis and stronger loan documentation.

Proven Results

Reduced watch list and substandard credit exposures between 50-100% on an annualized basis through early identification, strategic planning, and savvy negotiation.

Successfully liquidated $1.8 million in equipment and $1 million in real estate holdings for a $3 million borrower with minimal loss to the bank.

Savvily negotiated the settlement and rewrite of a $1.6 million loan with no loss to the bank.

Facilitated portfolio growth of more than $30 million through joint calling efforts and strong customer relationships.

Ameriana Bank – New Castle, IN 2011

Vice President, Commercial Lending

Generated business loan volume through new and existing profitable business relationships.

Proven Results

Prospected, qualified and closed a new $1.2 million commercial loan for Real Estate acquisition.

MainSource Bank – Greensburg, IN 2010

Vice President, Special Assets

Managed a portfolio of problem loans of various types, primarily Commercial Real Estate and, to a lesser extent, Real Estate and Consumer. Communicated potential risk exposure to senior management and suggested process improvements to mitigate risk, monetary exposure and compliance gaps.

Proven Results

Oversaw the reconciliation of $5 million in troubled assets in Illinois and $4 million in northern Indiana.

Irwin Union Bank – Columbus, IN 1993 to 2009

Senior Vice President, Market President

Direct Reports: 13 Personal Lending Authority: $500K Market: $750K

Provided sound leadership, direction, and guidance to both lending and operations staff with particular emphasis on consumer and commercial lending. Fostered a positive work environment for employees and promoted a sales and service culture consistent with the Bank’s goal of exceeding customer expectations.

Proven Results

Structured and successfully closed the Bank’s single largest loan on record ($7 million).

Grew asset base from zero to more than $160 million in 10 years.

Honors / Awards

Lender of the Year, Irwin Union Bank

Indiana Statewide Certified Development Corporation Lender of the Year

Eagle Scout and Bronze Palm Award / God and Country Award – Boy Scouts of America

Professional Affiliations / Community Activities

Silver Springs Home Owner Association – President (4 Years)

Johnson County United Way – Chair, Allocations, Board Member (12 Years)

Johnson County Indiana Economic Development Corporation – Board Member (10 Years)

Greenwood, Indiana Chamber of Commerce – Member (16 Years)

Franklin, Indiana Chamber of Commerce – Member (16 Years)

Rotary International, Franklin, Indiana – Member (5 Years)

FEMA in Cooperation with the City of Franklin, Indiana Disaster Recovery – Committee Member, Fund Allocations (2 Years)

Education & Professional Development

Perdue University – W. Lafayette, IN

Bachelor of Arts – Education

Relevant Coursework Includes: Omega Commercial Lending, Overcoming Adversity, Unleashing Human Potential, Negotiating Rationally, High Stakes Decision Making, The Art of Coaching, Fierce Conversations, Achieving Success at Work and Life, One Conversation at a Time, and Overachievement

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