Loan Financial

Thomas Poole

**** ****** ***** • Hoover, AL ***** • *********@*****.*** • 912-***-****

Banking professional with 16 years of experience in credit risk review and supervision, commercial loan underwriting, business development, financial statement and cash flow analysis, drafting and reviewing loan documentation, providing support in loan quality analysis, policy creation, and regulatory compliance/enforcement. PROFESSIONAL EXPERIENCE:

Federal Deposit Insurance Corporation

Birmingham, AL

Mid-Career Risk Examiner October 2019 – Present

• Review and evaluate all CAMELS components and operations areas for State charted financial institutions of varying sizes and markets.

• Review the financial statements of various financial institutions to determine their overall health and soundness on a stand-alone basis, as well as in comparison to their established peers.

• Conduct meetings with senior management and other bank personnel to communicate examination findings and ask/answer additional questions for clarification and/or information gathering purposes.

• Review institutions’ Call Reports and Uniform Bank Performance Reports to determine accuracy and compliance with appropriate instructions.

• Determine that institutions are operating in accordance with established policies and procedures, as well as to ensure that those policies and procedures are in accordance with federal and State banking laws and regulations.

BBVA Compass

Daniel Building, Birmingham, AL

CQR Audit Team Leader I April 2018 - Present

CQR Audit Officer, SR II June 2016 – March 2018

CQR Audit Officer, SR I January 2014 – May 2016

• Perform credit quality reviews of various segments of the Bank’s commercial loan portfolio. Credit quality factors primarily include assessment of repayment ability of the obligors and guarantors, collateral adequacy, the quality of ongoing portfolio monitoring and credit administration practices and procedures, and adherence to the bank’s policies, as well as federal banking laws and regulations.

• Portfolio segments reviewed include Syndications (Shared National Credits), Leveraged Syndications, Energy exposure (primarily Oil & Gas), Healthcare, Owner-occupied and Non Owner-occupied Commercial Real Estate, C&I Lending, Asset-Based Lending, and Construction & Development lending.

• Assess loan grading accuracy and provide recommended grade changes when necessary.

• Verify the adequacy of the ALLL for each loan reviewed that is recommended for a change in risk rating, as well as each Criticized/Classified loan.

• Serve as lead on team projects related to process testing of various aspects of the commercial loan portfolio. Projects include but are not limited to Leveraged Lending, covenant testing, appraisal processes, and scorecard model evaluations.

• Work in a team oriented environment to meet and exceed objectives for total number of loans reviewed for each review.

The Coastal Bank

18 West Bryan Street, Savannah GA 31401

Assistant Vice President - Portfolio Manager March 2012 – January 2014

• Perform comprehensive credit underwriting for both new loan requests and loan renewals, particularly in regards to residential construction/development loans as well as structured financing and loan participations.

• Supervise three commercial Relationship Managers in the loan approval process by originating and developing credit memoranda, analyzing financial statements, and participating in discussions regarding structuring of terms, credit quality, and covenant requirements.

• Ensure that the portfolio administration and risk management of each client relationship is in compliance with the bank’s loan policies, procedures, business strategy, as well as regulatory guidelines.

• Perform quarterly independent reviews of adversely-graded and special-mention borrowing relationships, with a risk-based approach focused on minimizing asset quality deterioration while also ensuring that workout plans are in accordance with regulatory guidelines.

• Produce detailed financial analysis of prospective and existing clients in order to evaluate their financial and repayment strength.

• Monitor industry trends and analyze specific trend data to identify potential areas of risk in the loan portfolio.

Steve H. Powell & Company

23 Courtland Street, Statesboro GA 30458

Financial Institution Specialist May 2004 – March 2012

• Provided asset quality management through external loan review examination to federally-insured financial institutions. Client banks ranged in asset size from approximately $100 million to $8 billion.

• Identified and reported violations of Federal and State laws and regulations, with a particular focus towards OCC and FDIC regulations.

• Performed financial analysis in regards to profitability and other key measures for companies of varying sizes and industries, in order to estimate their ability to repay total debt obligations.

• Prepared detailed reports that contained overall summary guidance, quantitative data, spreadsheets, as well as loan review memoranda for each specific borrowing relationship reviewed.

• Conducted weekly meetings with management to communicate findings from the audits, as well as to consult with them on recommendations for improvements in loan underwriting and administration practices.

• Assisted management of client institutions in ensuring that practices and procedures adhere to each institution’s policies outlined in respective policies and procedures manuals.

• Worked in a team environment under specific deadlines to complete appointed tasks, as well as review completed tasks of subordinates.

OTHER RELEVANT EXPERIENCE:

United States Marine Corps

Engineer Equipment Mechanic / Basic Rifleman March 1997 – February 2005

• Worked actively in a fast paced, team-oriented environment in which mission accomplishment and troop welfare were top priorities.

• Acted as an immediate supervisor to junior personnel.

• Received numerous awards and certificates of commendation for outstanding performance of duties. EDUCATION:

Georgia Southern University Graduated May 2004

Bachelor of Business Administration in Finance

Computer Skills and Additional Training

• Satisfactory completion of the FDIC Financial Institution Analysis School.

• Proficient with Moody’s Risk Analyst.

• Completed various formal employer-provided training courses that covered subjects pertaining to credit underwriting to include global cash flow analysis, UCA cash flow, EBITDA vs UCA cash flow, commercial real estate, business tax returns analysis, financial ratio analysis, and general accounting concepts for banking professionals.

• Completed the following RMA Credit and Lending courses: “The Lending Decision Process”, “Global Cash Flow I: Foundations in GCF Concepts”, and “Global Cash Flow II: A Real Estate Portfolio Perspective”.

• Completed several online refresher courses pertaining to regulatory compliance for financial institutions. References are available upon request

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