Senior Credit Analyst or Senior Loan Review
Resume:
James F. MacLean
West Des Moines, IA 50265
Phone: 515-***-****
Email: adxyz0@r.postjobfree.com
PROFESSIONAL EXPERIENCE:
DEE CONSULTING, LLC. Mountain Valley, CA 7/21 - Current
Contractor
Executed and participated in safety/ soundness and compliance exams for the Comptroller of the Currency. The exams include analyzing the FASB 114, credit modeling, grade examination, and an overall assessment of the loan portfolio. Assessed banks' BSA/AML and CRA programs. The testing and review of their testing systems and audits, which the Bank had performed by outside auditors.
FIRST NATIONAL BANK IN FAIRFIELD, IA 3/19 – 7/21
Senior Loan Officer/SVP
$150MM Bank under a letter from the OCC. Led the lending staff in cleaning up the portfolio, collections, classifications, and establishing new loan policies and procedures. As a result, classified assets fell from 133% reduced to 60%. Member of ALCO committee and Compliance committee. Managed a personal portfolio of $40MM of all types of credits, including Ag and participations.
DEE CONSULTING, LLC. Mountain Valley, CA 3/15 – 3/19
Contractor
Executed and participated in safety/ soundness and compliance exams for the Comptroller of the Currency. The exams include analyzing the FASB 114, credit modeling, grade examination, and an overall assessment of the loan portfolio. Assessed banks' BSA/AML and CRA programs. The testing and review of their testing systems and audits, which the Bank had performed by outside auditors.
HOME STATE BANK, N.A. Crystal Lake, IL 1/13 – 3/15
Chief Credit Officer
$600M size bank under a letter from the OCC. Instituted new loan policies and collection procedures. Reduced classified assets from 120% of capital to 65% in six months. Bank rating increased by OCC. Managed a staff of 17, including credit analysts, loan officers, loan docs, operations, SAG, and cash management. Approved all credits from $250M to $10MM. Member of the senior management committee, CRA, Compliance, and ALCO. In charge of BSA/AML function of the Bank and certified BSA/AML. Managed a $20MM ag portfolio. Also, the SVP of the Leasing Company for the Bank included the approval of leases for the leasing operation. Implemented stress testing for the portfolio to flow to the ALLL reserve. Carried a loan portfolio of $20MM.
FDIC, West Des Moines, IA 1/11 – 1/13
Loan Review Specialist and Compliance
Two-year contract. Assist examiners in bank exams dealing with complex loan situations. Evaluate, classify, do FASB 114 impairments and evaluate the ALLL reserve. In addition, we examined Bank's cash management programs and liquidity. Test compliance with BSA/AML, UDAAP. Worked as an asset manager who supervised other LRSs and examiners to establish loan classifications, meet with bank management, prepare reports, and finalize the exam report, including BSA.
CLIFTON GUNDERSON, LLP, West Des Moines, IA 09/09 – 6/10
Manager Loan Review Bank Consulting Group
Responsible for performing loan review and asset quality on banks under audit of the Company. Recommended downgrades, met with senior management, assessed Loan Loss Reserve, and produced a report that examiners and Board of Directors read. Tested CRA work with BSA
BANK OF THE WEST, Des Moines, IA 6/07 – 3/09
Senior Relationship Manager –Commercial Construction Department
On the consumer side, underwrote the end mortgage for approval under the terms of the mortgage loan process of the Bank. The end mortgage had to be approved before we could support the construction mortgage. Wrote the analysis, credit reports, documentation of income and assets, and liabilities for the end loan, which went to approval for the construction loan.
Supervised tax credit financing for the region. Originated and approved requests.
Manage a portfolio of $50MM
Supervise one lender and two administrative analysts
COMMUNITY NATIONAL BANK, Waterloo, IA 10/04 – 5/07
Vice President
Responsible for originating and building a loan portfolio in the Cedar Valley area, including construction and Agricultural loans.
Ordered all procurements for the commercial loan area, including negotiations and workouts with software companies.
Managed and grew a portfolio with a mix of loans, including problem loans.
Total portfolio around $32MM, including loan participations, agricultural loans, and SBA loans
F&M BANK, (Citizens Bank of Flint Michigan), Ames, IA 9/01 – 9/04
Vice President
Responsible for originating and maintaining a loan portfolio for the Ames and Story City branches.
A portfolio of $26MM contains various types of commercial, construction, commercial real estate, and agricultural loans.
Led the Iowa bank by originating $13MM in new loans at the matrix required by the Bank in 2004.
Supervised three people and participated in the Loan Committee and Strategic Planning Committee.
EDUCATION:
Colorado Graduate School of Banking, University of Colorado, Boulder, Colorado
Northwest Missouri State University, Maryville, Missouri
MBA Finance and Economics
Nebraska Wesleyan University, Lincoln, Nebraska
B.S. Business Administration
COMPUTER SKILLS:
Work with Microsoft Word, Excel, Works, Access, PowerPoint, and the Internet.
OTHER:
Adjunct Professor for various colleges teaching economics, corporate finance, and banking courses
CRC certification
CRCMP certification
PUBLISHED ARTICLES:
"The Importance of a Working Capital Adequacy Model" RMA Journal of Commercial Lending, 3/2015
"Does your bank need an M&M Committee?" RMA Journal of Commercial Lending, 2010
(Winner of the first prize of RMA Journalistic Awards)
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