J a m e s R . W a l e s

303-***-**** **** Camel Heights

acxfqi@r.postjobfree.com Evergreen, CO 80439

Extremely determined, honest, outgoing, and passionate Business/Management Professional has more than 17 years of combined experience in providing administrative and operations leadership and support in financial/banking services. Reliable candidate is actively seeking a challenging position in sales, preferably within the banking industry, ideally with a dynamic or progressive organization. Excellent communication & interpersonal skills make the candidate successful in seamlessly working with clients, staff members, and other professionals in various areas across different job levels. Dedicated professional demonstrates abilities in leadership, management, budgeting, customer relations, financial analysis, strategic planning, business development, communication, organization, training, as well as problem solving. Effectively contributes towards organizational achievement, leads cross-functional teams by example, professionally deals with increased challenges or responsibilities, and excels under pressure.

Adept in Leadership/Management Skillful in Organization & Multitasking

Proficient in Business Development Task & Detail-Oriented Team Builder

Strategic Planning/Implementation Resourceful/Creative Problem Solver P ro f e s s i o n a l Ex p er i e n c e

Solera National Bank Jan 2015 – Present

Analyst / Portfolio Manager

Lakewood, CO

Performed financial analysis on perspective loan packages, including review of tax returns, financial statements and budgets, and historic results to forecast cash flow.

Reported results for decision whether applicant was an acceptable credit risk; leveraged personal network of connections to seek out new perspective clients.

Developed an in-depth understanding of market conditions, trends, and overall economic outlook; conducted interviews to understand a client’s investment needs.

Monitored existing loan portfolio to verify loan performance to meet or exceed various benchmarks; decided whether or not to downgrade/upgrade loans. Broker Associate Nov 2013 – Present

Evergreen, CO

Functioned as a self-employed realtor, developing new business and marketing plans to ensure future success; monitored the fulfillment of purchase contract terms.

Created a network of potential buyers and sellers of residential real estate and vacant land; served as an intermediary in negotiations between buyers and sellers.

Facilitated clients’ real estate goals through education, proper pricing models, and consistent communication; arranged for financing of property purchases. Little Bear Saloon Apr 2012 – June 2013

General Manager

Evergreen, CO

Increased income by 10% over an 8-month period; reviewed financial statements, activity reports, and other performance data to measure goal achievement.

Handled all aspects of daily operations at a historic bar; assumed several responsibilities including cash flow analysis, human resources, budgeting, and purchasing.

Determined staffing requirements, and interviewed, hired, and trained new employees; managed staff, prepared work schedules, and assigned specific duties. Colorado National Bancorp Oct 2011 – Jan 2012

Vice President, Credit Administration

Denver, CO

Assumed responsibility for reviewing, underwriting, and purchasing more than $35 million in sound Commercial Real Estate Loans from distressed financial institutions.

Reviewed and assisted in the creation of loan policy, and performed due diligence on perspective banks for acquisition; guaranteed regulatory compliance.

Managed the gathering and analysis of credit information on current and potential business borrowers; determined the advisability of granting credit for varied loans. Bank of Choice July 2006 – Oct 2010

Vice President / Market Manager

Conifer, CO

Developed and implemented a highly successful strategic/marketing plan that was ultimately adopted by the Corporate Headquarters for all future branches.

Organized and implemented a Conifer Branch Call Program that encouraged employees to contact community businesses to spark immediate interest in the bank.

Recognized for successfully opening and managing the DeNovo branch facility in Conifer, Colorado in 2007; served as a member of Employee Advisory Committee.

Attracted new customers through direct marketing as well as community involvement; maximized the bank’s ROI through proper pricing and loan structuring.

Captured media coverage with press releases highlighting the benefits of bank to the Conifer market; ensured strict compliance to bank policies or procedures.

Managed a diverse portfolio of clients ranging from small family owned businesses to pharmaceutical manufacturers; maintained positive client relationships. Bank of the West Dec 2003 – July 2006

Relationship Manager

Evergreen, CO

Generated and maintained an average loan fee income of $125,000, with an average portfolio in excess of $25 million, and an average of 25 to 40 customers.

Developed new business relationships through commercial lending, effectively managing client portfolios; oversaw budget compliance of construction loans.

Ensured delinquent loans met bank requirements; handled all aspects of lending including customer development, underwriting, processing, and loan closing. Evergreen National Bank Jan 2000 – Dec 2003

Vice President

Evergreen, CO

Served on Evergreen National Bank Strategic Planning Committee; achieved an increase in the bank’s profitability by expanding customer base and profit margins.

Developed and expanded the business, managing a commercial and consumer loan portfolio with outstanding loan balances from $18 million-$24 million.

Promoted and sold bank services including consumer loans, consumer deposit products, business banking accounts, as well as commercial/construction loans.

Established stringent loan underwriting criteria that guaranteed bank soundness; conducted new business development and customer relationship management. Othe r Work Ex p e r i en c e

Matrix Capital Bank Apr 1997 – Jan 2000

Assistant Vice President

Evergreen, CO

Edu c a t i o n & T e c hn i c a l S k i l l s

Kaplan Real Estate School, 2013

Real Estate License

Johnson & Wales University, Denver, CO

Adjunct Professor, Accounting and Finance

University of Phoenix, Denver, CO, 2000

Master of Business Administration

Fort Lewis College, Durango, CO, 1990

Bachelor of Art in Business Administration (Emphasis in Marketing) Microsoft Office Suite (Word, Excel, PowerPoint) Mark Henry, Fiserv Bank Software Platforms Professional Certifications and Licenses: Real Estate License, Nov 2013 Training: Mountain States Employment Management Course, Aug 2008 Professional Affiliations: Conifer Area Chamber of Commerce, Board Member and Chairman, Apr 2006 – Apr 2011 Jefferson County Library Foundation, Board of Directors, Jan 2001 – June 2003 Rotary Club of Evergreen, Community Service Chairperson, Nov 1998 – June 2003 Evergreen Chamber of Commerce, Board of Directors/Past Chairman, Jan 1997 – Dec 2002 References Gladly Provided Upon Request

Contact this candidate