Analyst

Mark Buckley

**** ******* **** *****,

Las Vegas, Nevada 89134

702-***-**** (H)/ 702-***-**** (C)

Email: ********@*****.***

EXPERIENCE

First Security Bank. Las Vegas, Nevada (Total Portfolio $160 million approx) April 2012 – April 2015

VP/Credit Administration

Assisted in the management of the credit segment of the bank’s loan portfolio and review activities that supported established credit objectives. Ensured credits adhered to existing policies and regulatory credit specifications with particular attention to SBA underwriting to ensure the validity of the federal government guarantee for the banks SBA loan portfolio. I reviewed the portfolio quarterly and annually to ensure it is adequate to maintain quality and profitability. This was done through preparation of monthly/quarterly board reports; desk review of new/renewed credits; preparation of quarterly narrative “Allowance for Loan and Lease Loss” (ALLL) reports; reviewed monthly/quarterly action plans; impairment review analysis. I was also responsible for reviewing the banks credit policy and appraisal process on an ongoing basis.

Bank of Nevada. Las Vegas, Nevada (Total Portfolio $41 million) Feb 2011 – April 2012

Loan Officer

Responsible for all aspects of loan origination commercial/real estate/construction/SBA 504 loans as well as large and complex loans. Negotiated structure, pricing and terms of all loans. Called on prospective customers to market and cross sell other bank loan and deposit services. Identified potential business opportunities in the community. Monitored and managed existing portfolio and recommended appropriate action on credit quality rating, problem loan recognition and remedial solution. Also responsible for loan compromise re-negotiation, site assessment and asset workout. Assets included loans in improved commercial development, religious facilities, investment, and commercial LOC. Monitored and managed existing portfolio and recommended appropriate action on credit quality rating, problem loan recognition and remedial solutions. Responsible for approximately 75 loans in portfolio totaling approximately $41 million.

RSM/CORVUS. RSM/Corvus is a consulting firm routinely engaged by the FDIC to conduct loan resolution in failed banks.

RSM/CORVUS. Jasper, GA. (Total bank Portfolio $1 billion) July 2010 – Dec 2010

Senior Underwriter

Responsible for all aspects of loan compromise re-negotiation, case writing, FDIC mandated reports, site assessment and asset workout in the assigned portfolio for the receivership of Crescent Bank & Trust Bank. Assets included loans in improved commercial development, single family residential mortgages, residential rental / investment and LOC. Recommended all approvals and declines on all credits up to and including $8 million. Made recommendations to Post Closing Asset Manager for approval of loans in excess of individual lending authority ($20 million). Monitored and managed existing portfolio and recommended appropriate action on credit quality rating, problem loan recognition and remedial solution. Revealed and repudiated contracts and agreements to recover $14 million in revenue for the receivership. Responsible for approximately 35 loans in portfolio totaling approximately $35 million.

RSM/CORVUS. Cleveland, OH. (Total bank portfolio $12 billion) Feb 2010 – July 2010

Senior Underwriter

Senior underwriter of a 21 person team. Responsible for re-negotiating and re-writing severely distressed commercial development loans, term loans and commercial LOC for the receivership of AmTrust Bank. Liaison between Senior Asset Managers and Due Diligence Director for all aspects of case management. Senior case writer on credits to include executive summaries, collateral descriptions, loan assessments & comments. Evaluated financial status of borrowers using liquidity, profitability, credit history and cash flow. Utilized RMA standards to compare other companies of same industry, size, and geographic location. Analyzed income growth, potential risks of industry and collateral appraisal. Ensured documents pertinent to each credit facility were present for upload to allow the winning bidder to enforce rights and ensure the borrower and or guarantor satisfied its obligations under the loan documents. Responsible for approximately 35 loans totaling $507 million.

RSM/CORVUS. Greeley, CO. (Total bank portfolio $2.5 billion) Aug 2009 – Feb 2010

Senior Asset Underwriter

Senior underwriter in a 5 person team. Responsible for all aspects of loan re-negotiation, site assessment, asset recovery and workout for the receivership of New Frontier Bank. Coordinated and managed a significant loan portfolio which included acquisition, development and construction loans in the commercial development and single family residential mortgages arenas. Processed requests for release of equity, including disbursements funded through construction loan draws. Managed, underwrote and oversaw the transfer of term loans and commercial LOC to third parties & acquiring banks. Analyzed personal credit information to determine risk involved in guaranteeing commercial and real estate lending in loan workout. Evaluated financial status of borrowers using liquidity, profitability, credit history and cash flow. Utilized RMA standards to compare companies of same industry, size, and geographic location. Analyzed A/R days, A/P days, income growth, potential risks of industry and collateral appraisal. Responsible for approximately 70 loans in portfolio totaling $224 million.

WELLS FARGO BANK, Las Vegas, NV. (Portfolio $8 million) Sept 2008 – August 2009

VP/Snr. Business Relationship Manager

Responsible for soliciting and/or developing and maintaining profitable account relationships with an extensive number of complex and large sized business accounts with gross sales of generally less than $20 million. Also responsible for soliciting the most complex customers in my assigned territory, developing successful stratagems for the customer’s commercial loan and deposit needs, deepening their existing customer relationship and acting as their advocate in securing suitable credit products and services. Directly responsible for underwriting equipment loans, owner occupied building loans and LOC to doctors & lawyers groups along with unsecured personal loans to individuals with a net worth over $1 million.

SILVER STATE BANK, Las Vegas, NV. (Portfolio $45 million) March 2006 – Sept 2008

AVP/Commercial Loan Officer

Originated commercial/real estate/construction/SBA 7(a) and SBA 504 loans as well as large and complex loans. Negotiated structure, pricing and terms of all loans. Monitored a portfolio of 20 commercial properties from construction through operational stabilization. Called on prospective customers to market and cross sell other bank loan and deposit services. Identified potential business opportunities in the community and made loan decisions within assigned limits. Made recommendations to Senior Credit Officer for approval of loans in excess of individual lending authority. Monitored and managed existing portfolio and recommended appropriate action on credit quality rating, problem loan recognition and remedial solution. Performed related business development and account management functions to ensure the ongoing maintenance and profitability of the commercial along with the SBA loan portfolio to include marketing, packaging and processing 7(a) & 504 loan applications, as well as close and service all loans. Provide small businesses with financial and technical assistance.

SUN WEST BANK, Las Vegas, NV. (Portfolio 2.5 million) June 2003 – March 2006

Relationship Officer

Assessed credit risk and underwrote original loan applications. Completed site visits to collect information as part of analysis. Determined credit for diversified loans, presented said loans to loan committee. Evaluated and assisted in the recommendation of commercial credits, real estate transactions, or letters of credit. Promoted business of the bank by maintaining good customer relations and cross-sold services. Assisted borrowers on financial status and methods of payment.

CITIBANK CORP, Las Vegas, NV. March 2003 – June 2003

Customer Service Representative

Processed new credit applications, modified existing lines of credit. Verified the accuracy and completeness of information. Worked with customers to provide information in response to inquires about products and services. Handled and resolved customer's complaints. Assisted individuals interested in opening personal/business accounts. Resolved billing and service complaints.

HEREIU Welfare Fund, Las Vegas, NV. May 2000 - March 2003

Database Analyst & Administrator

Ensured database integrity and stability by loading, monitoring and testing data received both internally and externally. Data extraction and summarization set forth current and long-term economic or business trends pertinent to the status of programs. Statistically analyzed corporate productivity reports to determine earnings, bonus structures and overall financial strength. Creator of ‘Stored Procedures’ for user end data extraction. Analyzed the financial impact of departmental programs. Participated in the development, tracking and financial projections for program budgets. Responsible for daily database backup and maintenance.

Sierra Healthcare Services, LV, NV. Feb 1997 – August 1997

Healthcare Operations Project assistant

Assigned to complete administrative projects under VP Bonnie Hillegass and Utilization Manager Diane Smith. Travelled to Dallas, and Houston, Texas as part of HCO team to reorganize the SHS offices. Worked as part of the HCO SHMO team which helped to establish the full range of Medicare benefits offered by SHS (care co-ordination, prescription drugs, chronic care benefits, homemaker, personal care services, respite care.

Sierra Healthcare Services, LV, NV August 1997 – July 2001

Quality Assurance Analyst

Responsible for daily bed-day healthcare reporting and long term healthcare reporting measures for credentialing and provider services. Instrumental in setting up Quality Assurance measures and programs with Senior VP Ronnie Grower and Director Yvonne Riggen such as ‘Childhood Asthma’ intervention programs, ‘Cervical Cancer screening, ‘Mammography screening’, High Risk OB cases’. Knowledge of HEDIS/STARS/SHMO programs in both Nevada and Texas. Highly skilled in ‘Access’ and ‘SQL’ data extraction from main frame data sources along with Excel (pivot tables) and Crystal Reports. 4 years’ experience of healthcare policy and procedures at the highest level. 4 years of ICD-9 and 10 coding experience. With all claims, it was essential to know if you (as the analyst) were dealing with ‘HMO’ claims or ‘PPO’ patients. PPO patients didn’t need referrals to see specialists, whereas HMO patients did. HMO patients had to have a PCP, whereas PPO did not. You didn’t have to file a claim for your HMO visit whereas with a PPO visit you sometimes had to pay up front for the care and then file a claim for reimbursement. These and other differences made the data extraction and analysis produce very different results which had to be interpreted carefully by the team as costs could vary depending if you utilized a PPO or HMO provider.

EDUCATION

Western Govern University – Currently studying for my degree (BA in Business Administration – estimated completion date June 2017).

WIB Commercial Lenders Institute – Certified Commercial Lender

University of Nevada Las Vegas – Certificate in Banking

Dorset College Dublin, Ireland – TD Dip I.T.

COMMUNITY SERVICE

Volunteer at “Las Vegas Rescue Mission” Las Vegas, NV

Member of the "Society of St. Mary” Charitable fund at OLLV.

Loaned officer through United Way of Nevada

Past Secretary of the Las Vegas RMA

REFERENCES

Available upon request.

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