Mark F. Hinton

Credit Analyst/Underwriter/Program Management

adyrma@r.postjobfree.com • 662-***-****

linkedin.com/in/mark-hinton • Tupelo, MS 38801

Results-driven professional with remarkable history of achievements in business development and credit underwriting. Providing detailed write ups to present to board. Skilled in managing all aspects of construction projects within time and budget constraints. Proven track record of fostering strategic partnerships, driving revenue growth, and enhancing customer loyalty. Adept at analyzing market trends and customer needs to identify growth opportunities and develop winning business strategies. Expert in utilizing data-driven insights to make informed decisions, measure performance, and continuously improve business development and retention. Excel at tracking progress, addressing operational issues, preparing reports, and recommending expert-level solutions for process optimization initiatives. Competent at devising productive strategies and providing growth-focused training to enhance team competencies and achieve peak performance. Exceptional communication, negotiation, presentation, organizational, and administrative skills with a proven ability to build strong business relationships at all levels.

Areas of Expertise

●Credit Underwriting

●Calculating Debt Service

●Providing Global Cash Flow

●Customer Satisfaction

●Retention

●Contract Negotiations

●Organizational Transformation

●Resource Allocation & Mobilization

●Conflict & Issue Resolution

●Stakeholder Engagement

●Risk Assessment & Mitigation

●Continuous Process Improvement

Professional Experience

First Choice Bank, Tupelo, MS 12/2021 to 07/2023

Market President/Executive Vice President

Developed and nurtured strong personal and professional connections within the local community through responsive and open communication and service. Spearheaded substantial expansion of commercial and consumer loan portfolio. Underwriting and calculating debt service ratios and global cash flows to present to board

●Achieved profit within 15 months by opening full-service bank in new market.

●Surpassed annual production targets and received bonus reward equivalent to 110% of annual bonus plan.

●Held accountability of making large credit decision for commercial and consumer accounts.

CB&S, Tupelo, MS 03/2019 to 12/2021

City President/Senior Vice President

Provided strategic leadership and direction to drive business growth and achieve financial objectives. Ensured strict adherence to regulatory requirements, internal policies, and risk management protocols to safeguard bank's assets and maintain strong compliance culture. Supported staff members to facilitate their professional growth and development. Underwriting on all credits that required board approval.

●Attained position in the top 10% for both production and origination fees, showcasing outstanding performance in generating revenue and contributing significantly to company's success.

Community Bank, Tupelo, MS 03/2008 to 03/2019

Senior Vice President/Consumer and Commercial Lender

Oversaw diverse $27M portfolio encompassing both consumer and commercial loans. Managed delinquent accounts, while effectively employing collection strategies. Underwriting and providing debt service coverage and global cash flows.

●Delivered exemplary services in managing bankruptcy-related cases and processes as Bankruptcy Officer.

●Earned with prestigious "Award Rainmaker" title in acknowledgment of achieving $110k in fee production, demonstrating exceptional skills in generating revenue and driving business success.

●Recognized as a top performer in generating origination fees and achieving outstanding loan production results.

●Received prestigious recognition as one of the top 40 under 40 professionals in the State of MS during tenure.

Additional Experience

Assistant Vice President/Consumer and Commercial Lender, Renasant Bank, Booneville MS

Branch Manager/Consumer Bank Officer, Amsouth Bank, Tupelo, MS

Credit Manager, Wells Fargo Financial, Tupelo MS

Education

Bachelor of Business Administration – Management

Faulkner University, Montgomery, AL

Graduate Degree Finance

LSU Graduate School of Banking, Baton Rouge Louisiana

Post Graduate

Mississippi School of Banking University of Mississippi, Oxford, Mississippi

Post Graduate

Southeastern School of Advanced Commercial Lending Vanderbilt University, Nashville, TN

Post Graduate

Southeastern School of Commercial Lending Vanderbilt University, Nashville, TN

Professional Affiliation

United Way Funds Distribution Committee

Banker in Every Classroom Volunteer

Junior Achievement Teacher

Boy Scouts Golf Classic

Mississippi Home Builders

2016 Jim Ingram Leadership Training

Current Humane Society Board Member

Current Regional Rehab Board Member

Current Regional Rehab Golf Committee

Current Tupelo Christian Preparatory School Golf Coach

Honors & Awards

Eagle Scout, LSU Graduate School of Banking bank simulation winner, 2017 Top 40 under 40

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