Vice President Credit Risk

KOREY BATEMAN

Vice President Commercial Credit Underwriting and Risk Operations

Southlake, Texas 817-***-**** **********@*****.*** My LinkedIn Accomplished credit risk executive with expertise in credit policy development, portfolio management, risk mitigation, and regulatory compliance. Proven ability to lead high-performing credit teams, drive underwriting excellence, and implement strategic portfolio growth initiatives while balancing risk and return objectives. Adept at shaping a credit culture that supports sustainable lending practices and portfolio growth. Key Skills & Competencies

Credit Risk Strategy

Leadership & Team Refinement

Credit Policy Development

Data Analytics & Risk Assessment

Credit Risk Frameworks

Regulatory Compliance

Risk Ratings & Credit Analysis

Business Growth & M&A Strategy

Cross-Functional Leadership

Relevant Experience

Developed and enforced credit policies to maintain sound underwriting practices and portfolio integrity.

Led credit teams in executing risk-aligned loan approvals across diverse lending segments.

Provided oversight of portfolio management strategies, identifying emerging risks and mitigating exposure.

Collaborated with senior executives on loan growth strategies, acquisitions, and new product development.

Ensured regulatory compliance and partnered with audit teams for examinations and reporting accuracy. Professional Leadership Experience

EQUIFY FINANCIAL Fort Worth, TX: 2022-2024

Vice President Commercial Credit

Led teams for both structured finance and dealer-vendor finance channels for a family-owned equipment finance company and asset-based lender with assets exceeding $600 million.

● Oversaw credit policy framework, aligning risk appetite with growth strategies.

● Improved structured finance credit decision efficiency by 15% in six months, streamlining risk analysis, leveraging AI, and refining approval workflows.

● Directed portfolio growth initiatives, driving structured lending expansion while ensuring risk balance.

● Managed credit approval processes, ensuring timely and risk-adjusted decisions on commercial lending transactions.

● Monitored asset quality, identifying problem loans and implementing proactive resolution strategies.

● Partnered with leadership to refine risk rating methodologies and enhance portfolio assessment. GM FINANCIAL Irving, TX: 2015-2022

Assistant Vice President of Fleet Credit: 2017 – 2020 and 2022 Assistant Vice President of Fleet Operations and Systems Integration: 2020 – 2022 Fleet Credit Manager: 2016 – 2017

Fleet Credit Analyst: 2015 – 2016

Led a team of 20 Credit and Operations professionals for the captive auto financing arm of General Motors, with revenues across subsidiaries totaling $172 billion.

Comprehensive Credit Risk Operations Leadership

● Achieved 98% compliance in credit underwriting processes over seven years, maintaining zero regulatory breaches by enforcing service level agreements (SLAs).

● Led and mentored a team of 20 Credit and Risk Operations professionals, achieving portfolio expansion and compliance excellence.

● Presented $5MM+ credit requests and new credit programs to the C-Suite credit committee for approval.

● Lowered loan policy exceptions by 15% and cut delinquencies by 7% through risk assessment strategies and streamlined account workout processes.

● Implemented risk rating models to strengthen underwriting consistency and asset quality monitoring. Operational Improvements and Efficiencies

● Expanded portfolio by 25% through proactive risk mitigation initiatives and underwriting automation.

● Increased new business by 15% and profitability by implementing an annual credit review process to adjust ratings and proactively identify risks.

● Designed and implemented process automation strategies that improved risk detection and enhanced underwriting efficiency by 30%.

● Grew lease volume by 10% annually for three consecutive years by revamping and streamlining the municipal loan and lease program.

Team Building and Collaboration

● Built and scaled high-performing teams, growing department capacity by 600% in four years through strategic talent acquisition and KPI development.

● Partnered with compliance teams to maintain regulatory adherence and mitigate evolving credit risks.

● Collaborated with audit and compliance teams to maintain regulatory standards and mitigate risk exposure. Additional Experience

BANK OF AMERICA San Antonio, TX: 2011-2014

Vice President Small Business Banking – Middle Market FIRST COMMERCIAL BANK New Braunfels, TX: 2006-2010 Vice President Commercial Loan Officer

FIRST FINANCIAL BANK Weatherford, TX: 2000-2006

Vice President Commercial Loan Officer – Branch Manager Education

Bachelor of Business Administration, Howard Payne University – 2003

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