Myles Yates

Alpharetta Ga *****

Cell: 404-***-**** E-mail: ad1a5v@r.postjobfree.com

OBJECTIVE: I am seeking a position in the financial industry that will allow me to effectively use my extensive background and skills to ensure success and profitability.

SKILLS:

• Effective management of commercial clients’ portfolios

• Extensive knowledge of commercial and mortgage lending industries; rules, requirements and regulations.

• Profitable and productive understanding of credit and finance

• Proven sales track record with an emphasis on developing outside business contacts

• Communicate with internal and external partners to ensure successful goals and revenue.

• Excellent analytical and organizational skills

• Strong initiative with an proficiency in problem solving and decision making

• Substantial customer service background to deescalate and reassure company and client relations.

• Proficient in Microsoft Word, Outlook, Excel, and PowerPoint, Quickbooks, Sage, Ariba, ClientSpace, and Concur

EXPERIENCE:

November 2020

to July 2023

Finance of America Commercial,Charlotte NC (Remote) Commercial Portfolio Deal Manager

• Participate in borrower and mortgage banker calls to understand Customer needs and craft financing solutions

• Monitor a defined loan population assigned to fulfillment vendor to assure timely advancement of loan files throughout the origination process.

• Gather, organize and analyze initial loan structure. Review LLC structures and pricing structure, including property economics, borrower, location, leasing and market data.

• Review third party reports and other due diligence data

• Throughout the loan process, provide a constant, professional point of contact with the Customer and ensure a stellar industry- leading Customer experience

• Prepare and participate in the presentation of Credit Committee documents – concluding underwritten cash flows, loan strengths and risks, and identifying exceptions to lending policy

• Integrally involved in the Credit Committee preparation and presentation and participate in the legal and closing process. November 2016

to November 2020

Wells Fargo, Atlanta, GA

Commercial Banking Relationship Manager

• Responsible for the management of a $60MM commercial loan portfolio (i.e. past due reports, future maturities reports, portfolio growth, client visits)

• Organically grew portfolio to 98MM since starting. Working with companies with revenues from 10MM- 150MM+

• Handle loan requests from $100M up to a total credit relationship of $10MM

• Responsible for all aspects of underwriting loan requests (i.e. cash flow analysis, risk grading, credit write-up, structuring and pricing)

• Averaged $1.5MM per month in business loans and $500M per month in business deposits

• Grown deposit portfolio to 102MM

• Possess a general understanding of the major technical aspects of lending and have a clear understanding of the basics of credit and finance

• Monitor loans to ensure complete conformity with terms and to ascertain any developing trends

September 2014

to October 2016

Fifth Third Bank Atlanta, Georgia

Business Banker II

• Actively sell bank products to Business clients and new prospects

• Strong emphasis on developing new Business loans, obtaining loan fees, and increasing Business deposits

• Initiated 1.1M BLOC for assistance to furnishing the Mercedes Benz Stadium.

• Built 3-million-dollar pipeline with business owners and handling their personal finances.

• Effectively manage the business activity for 9 branches and play an integral role in the coaching and sales development of the staff February 2011

to September 2014

Omni Financial Group, Atlanta, Georgia

Senior Account Executive - Executive

• Responsible for maintaining a portfolio of over 300 existing Business clients with regards to servicing, cross-selling bank products, and deepening relationships

• Effectively manage the business activity for 9 branches and play an integral role in the coaching and sales development of the staff

• Personal lending average of $250M per month in Business loans

• Business and Personal deposit average of $800M per month

• Up to date on regulations to keep clients in compliance with GAAP, SEC, and SOX.

• Knowledgeable in bank reconciliation, budgeting, forecasting, payroll, taxes, and financial statements.

• Proficient in Sage, Ariba, ClientSpace, and Quickbooks PROFESSIONAL TRAINING

• Omega--Commercial Loans to Small Business

• Business Loan Underwriting and Case Study Analysis

• Loan Pricing and Structuring

• Fundamentals of Commercial Real Estate

• Managing Quality in Your Portfolio / Consultative Relationship Management

• Deposit Product Knowledge

• Residential Mortgage Origination

Contact this candidate