Thomas A. Dow

**** ********* ***** • Theodore, AL 36582 • 920-***-**** • adgnea@r.postjobfree.com

CURRENT EMPLOYMENT

After a three (3) year hiatus from the workforce (due to taking care of two family members / relatives) I am seeking new employment. Flexible – F/T or P/T.

WALMART – Oshkosh, WI 11/2014 to 12/2015

Sales Associate - Produce

•Promoted too full-time after 4 months on the job. Alternate as primary closer of the produce department 5 days of the week.

•Performed several cleaning responsibilities during 8 hour shift. Adopted a “clean as you go” attitude.

•Unload daily shipments of produce (consistently lift 2,000 lbs. of produce daily), stock the sales floor and wet wall, and rotate produce per policy. Participated in month-end Inventory count.

•Assisted a minimum of six customers, daily.

•Cross-trained as a cashier to handle holiday customer volume.

•Completed over 50 training courses: customer service; safety; standard operating procedures, integrity; and virtual webinars.

FINANCE / BANKING CAREER HIGHLIGHTS

•Served as first Credit Manager for start-up captive finance company, US & Canadian Volvo Construction Equipment dealers. Trained 2 credit teams managing $275MM - $325MM in dealer equipment floor plan loans.

•Loan underwriting; financial / risk / cash flow analysis; dual risk-rate scoring; and primary backup to relationship managers.

•Demonstrated ability to communicate with all levels of management, clients and business owners; and assist / support internal bank departments.

•Experience with commercial real estate appraisals; environmental assessments; real estate tax evaluations, site inspections; due diligence; and document preparation & closing.

•Adept in annual renewals to risk rate; evaluate FYE results, and identify key issues and concerns with mitigating factors.

PROFESSIONAL EXPERIENCE

RELIANT BANK – Brentwood / Franklin, TN 12/2013 to 8/2014

A Nashville, TN full-service community bank with ~ $650MM in assets. Commercial loan underwriting and analysis on commercial real estate, C & I loans; RLOC: Residential, Spec, and Operating Guidelines up to $3MM for area builders / developers.

Sr. Commercial Loan Underwriter

• Underwrote $20MM + in new loan requests and $7MM + in annual loan reviews / renewals.

• Supported three senior level loan officers.

• Review and assess Residential & Commercial Appraisals and Environmental Assessments.

• Timely problem recognition and effectively communicating credit issues with Loan officers.

• Identify potential structural enhancements in order to improve the credit and reduce risk.

BMO HARRIS (f/k/a Marshall & Ilsley Corporation) – Appleton and Green Bay, WI 6/2011 to 8/2013

Multiple responsibilities in Business Banking; Commercial Banking, C &I; Commercial Real Estate. Worked jointly with the Business Banking Credit Center on loans over $500K and the Small Business Lending Center on annual renewals under $500K.

Commercial Portfolio Manager II/ Business Banking Portfolio Manager II

Promoted from Financial Analyst to Commercial Portfolio Manager II in early 2012.

•Supported the Green Bay Business Banking Group underwriting 28 new money requests/ annual renewals totaling $30MM+ in four and a half months.

•Green Bay assignment supported the Group SVP; the Shawano Community Bank - President, and 2 senior level RM’s.

•In 2012 supported the North and Northeast Wisconsin commercial real estate CAP (capital acceleration program) Team to identify and underwrite distressed real estate loans. Direct support to two senior relationship managers and coordinators.

Each RM portfolio started out with over 100 clients and a minimum $50MM portfolio. After 1 year the portfolios were each under 50 clients and under $25MM.

•Two months after hire – the RM and Coordinator departed. For 4 months I solely managed the Appleton, WI – NE Wisconsin commercial real estate portfolio of over 200 clients totaling $100MM+. Received special bonus for managing the portfolio until new team hired and trained.

SUNTRUST BANK - Greensboro, NC 12/2005 to 12/2010

Credit Portfolio Manager

•Supported (3) senior level Relationship Managers (RM’s). Primary backup to RM’s. Accompanied RM’s on joint sales calls.

•In 2007 completed 50 credit packages; including Dual Approval Risk Rating scorecards, DSC; and risk assessments.

•The 2007 approved annual credit review/renewal packages included nearly $16MM in new commercial loans.

•Member of the PRISM Credit Advisory Team that upgraded/launched the new MOODY’S/RISKANALYST commercial spreading and PRISM(Primary Risk Metrics) Risk Rate model; and achieved compliance with BASEL ll requirements.

•In ’08 underwrote or renewed in excess of $30MM in Dealer Financial Service commercial loans.

•Promoted to Commercial Portfolio Manager in 2009. Managed a commercial credit portfolio in the $25MM to $50MM range plus underwriting new customer prospects.

BANK of AMERICA - Greensboro, NC 12/2002 to 12/2005

Commercial Credit Analyst

Bank of America Eastern US Dealer Automobile Finance Group

•Supported three (3) senior credit managers (each with dealer floor plan/ loan portfolios exceeding $150MM).

•Supervised a 10 to 15 auto dealer portfolio of floor plan and commercial real estate loans in the range of $50MM to $62MM.

Volvo Commercial Finance of North America, Inc. and Canada, Ltd. - Greensboro, NC 06/1996 to 02/2002

Wholesale Credit Analyst & Auditor (1999 – 2002)

•Achieved “0” wholesale floor plan construction equipment losses in 5+ years of managing or supervising the wholesale equipment portfolio that averaged $275MM - $325MM.

•Managed “sold and unpaid” dealer receivables averaging $15MM - $29MM monthly. Avg. weekly collection - $3MM. No losses.

•Finalized (14) new dealer packages in FY ’2001 that accounted for $30MM in new equipment floor plan lines.

•Completed (24) dealer reviews in FY’2000 renewing over $200MM in wholesale floor plan credit lines.

Credit Manager – Dealer Funding (1996 – 1999)

•Responsible for all credit functions relating to the start-up of Volvo Construction Equipment’s new captive finance company. Negotiated 25 individual floor plan financing and credit/legal document packages.

•Managed a $275MM - $325MM wholesale portfolio covering (39) U.S. dealers and (3) Canadian dealers. No losses.

•Trained (2) wholesale teams to manage daily funding, lockbox applications, dealer billings of monthly: interest, rental curtailments, and equipment curtailments / maturities.

•Executed $2MM temporary over-line authority/ $1MM permanent line increase authority on dealer credit lines.

•Drafted (15) credit policy / procedures; and (30) credit approval /collection forms that were ISO 9000 certified.

EDUCATION

Bachelor of Arts - Business Administration; Augustana University - Sioux Falls, SD

BMO Harris - Completed over 25 bank training courses in compliance-related topics.

SunTrust Bank – Completed over 60 bank training courses.

Bank of America - Completed Omega Financial Analysis training

TECHNICAL KNOWLEDGE

Moody’s MRA/ Risk Analyst

Dual Risk-Rating Scorecards

LTS [Loan Transaction Summary - Credit Package]

Microsoft Office Suite - Proficient Outlook and Word; Satisfactory Excel

D & B Business Reports & Experian Business Reports

Transunion; Equifax; Experian; and Kroll Factual Consumer Reports

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