Vice President Service Representative

Job Experience

May **** to present:

Magnolia State Bank - Total Assets $447 million

Director and Vice President of Credit Administration

Oversee Compliance Management of programs offered by the U S Treasury’ Community Development Financial Institution (CDFI)

Compile information mechanisms to monitor and analyze CDFI applications and required reporting

Oversee credit administration of lending department and lending compliance

Oversee Loan Processing Systems for Consumer and Commercial Loans

Oversee Loan Documentation Processes and Procedures

Monitor and reporting of Fair Lending Compliance

Oversee FHA Recertification and annual reviews

Manage annual USDA reviews and submission of fees

Manage 1502 Reporting for SBA Loans

Monitor and track legal lending limit

Develop & analyze lending policies and procedures as well as monitor compliance to loan policy

Recognize and monitor Trouble Debt Restructuring (TDRs)

Compute and analyze Allowance for Loans and Lease Losses now CECL Methodology

Develop and compute lending reports for monthly and quarterly reporting to Board of Directors

Oversee force-placed hazard insurance

Oversee Compliance Audits and Reviews for Lending Department

Risk Management Review of loans for loan officers regarding underwriting and documentation requirements

Serve on Compliance Committee, IT Committee, Asset-Liability Management Committee, Investment Committee, and Loan Committee

December 2022 to present:

JLC Enterprises

Owner of Sole Proprietorship

Accounting and Bookkeeping Services for medical practitioners

Human Resource Regulations and Maintenance

Coordinate travel plans for medical speaking conferences for medical staff

Accounts Receivable Posting in QuickBooks

Accounts Payable Posting in QuickBooks

June 1993 to May 2003

State of Mississippi Department of Banking and Consumer Finance

Examiner III

Examined the Safety and Soundness of Mississippi state-chartered banks

Supervised Safety and Soundness examinations which included assigning ratings to the CAMELS components of the qualitative ratings for institutions.

Examined trust departments

Supervised Trust examinations

Examined institutions under Memorandum of Understandings and Cease and Desist Orders (Troubled Banks)

October 1988 to June 1993

Magnolia State Bank (formerly Jasper County Bank)

Customer Service Representative

Began career in banking as a Teller

Customer Service Representative (opened New Accounts and managed Safe Deposit Box Rentals)

Promoted to Loan Documentation Clerk

Processed nightly computer update of daily operations

Education

May 2003 to Present

Continuing Education Credits for required regulatory compliance training through ABA, ICBA, and Regulatory University

Mississippi Regulatory Compliance Group (Butler Snow LLP) training for regulatory education

Banker’s Compliance Task Force (Jones Walker LLP) training for regulatory education

August 2000 to August 2002

University of Chicago, Chicago IL and Northwestern University, Evanston, IL

ABA National Graduate Trust School – received diploma in trust and estate planning.

June 1998 to June 2000

Graduate School of Banking at LSU

Received diploma in overall bank management.

August 1987 to May 1991

University of Southern Mississippi

Degree in Paralegal Studies/Business Administration

August 1985 to May 1987

Jones County Junior College

Associate degree in Liberal Arts

May 1985

Bay Springs High School

Highest Honors Graduate

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