Manager Management

RYAN WHITE

**** **** ****; Fort Collins, CO ***24 • 970-***-**** • ****.*****.**@*****.***

Experienced Relationship Manager & Commercial Loan Officer with a history of successfully managing a large loan portfolio. 5+ years of underwriting a wide variety of complex commercial & consumer loans including first & second mortgages, construction & development loans, lines of credit, letters of credit, bridge loans & SBA loans

PROFESSIONAL EXPERIENCE

Vice President; Alpine Banks of Colorado, Aspen, CO; 2005-2010

Relationship Manager for both top tier clients & smaller customers alike

Underwrote complex commercial credits & a variety of consumer loan types

Gathered, Compiled & Analyzed borrower information for extension & renewal of credit

Oversaw & actively managed Loan Portfolio of $100+ million

Properly graded loans & Monitored past due accounts

Prepared & Presented credit requests to loan committee for approval

Approved credits independently up to $100,000

Administered construction & development loans from pre-approval to completion

Prepared annual branch budgets & performance forecasts

Monitored daily financial reports for accounting accuracy & discrepancies

Provided Leadership, Management & Training to bank personnel

Oversaw daily operations of retail bank branch

Served on various committees enhancing products & improving procedures

Accounting Specialist; First National Bank, Fort Collins, CO; 2000-2005

Implemented new procedures increasing efficiency while saving time & money

Created various annual departmental & bank-wide budgets for senior-management

Prepared financial reports for both internal management & regulatory agencies

Created & maintained internal mortgage accounting procedures

Responsible for recommending & responding to internal & external auditors

Identified, researched, & analyzed corporate account discrepancies

Determined proper accounting treatment to ensure accurate financial reporting

Trained new employees on software & compliance procedures

EDUCATION Mesa State College, Grand Junction, CO; May 2005

Bachelor of Business Administration

Concentrations in Finance & Economics

Cum Laude, Dean’s List, Who’s Who Among Students in American Universities & Colleges

Internship-The Business Incubator Center, Grand Junction, CO; Spring 2005

Prepared financial statements for & provided recommendations to small businesses

Reviewed business plans & loan applications for extensions of credit from loan fund

SKILLS & KNOWLEDGE

Analyze, Interpret, & Spread Financial Statements

Jack Henry banking software suite

Advanced MS Office- Word, Excel, & PowerPoint

Investigate account variances

Excellent Demonstrated Leadership

Title examination

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