Modernizing commercial credit without losing its discipline.
Managing Director of Commercial Administration at Republic Bank, leading 24+ associates across analysis, loan decisioning, quality control and appraisal, head of credit on the Senior and Executive Loan Committees, and the leader bringing AI into commercial credit. Sixteen years across credit, portfolio risk and capital planning.
Own commercial credit, from first submission to portfolio.
Credit organization
Lead the credit analyst, loan decision approver, new submissions, quality control and appraisal teams: 24+ associates, including 3 managers. Lead centralized approvers with personal single-loan authority up to $3MM aggregate exposure.
Credit governance
Head of credit on the Senior Loan Committee and Executive Loan Committee, one of four voting members. The Executive Loan Committee approves credits up to Board approval limits. Recommend loan policy changes to the Chief Lending Officer for the Board.
Regulatory readiness
Lead the asset quality portion of the FDIC exam: preparation, delivery of exam files and every examiner question.
Portfolio management
Own the annual review schedule, covenant compliance, borrowing base monitoring and concentration monitoring.
AI, digitization and automation
Lead all projects that digitize and automate commercial credit, client-facing and internal: an AI-enabled interface for appraisal review, automated spreading of C&I tax returns, and digital credit card applications.
People and talent
Own people leadership for the credit team: pay decisions, performance reviews, monthly coaching, recruiting, promotions and staffing. Built the bank's first formal credit training curriculum.
Outcomes.
Commercial credit turn time
Days in credit analysis after streamlining the process.
Brought AI into commercial credit
Led development and implementation of an AI-enabled interface that speeds human review of commercial appraisals, and automated the spreading of C&I tax returns. Recognized with the Impactful Leadership: Own It Award for embracing AI in commercial credit.
Led the bank's PPP response
Coordinated 5,600+ applications by directing and training 35+ associates from across the bank. Recognized with the August 2020 ROAR award, a peer-nominated, executive-selected honor.
Replaced core credit systems
Directed implementation of a new commercial loan system, a PPP forgiveness system and an appraisal ordering system, from selection through testing, procedures and training.
Built the bank's first credit training curriculum
Designed and ran formal credit training for all commercial banking officers, with emphasis on C&I lending.
Top-producing CRE underwriter at BB&T
Senior underwriter for the #1 CRE lender at BB&T in 2017 ($50MM+ annual production) and portfolio manager for a $350MM+ CRE portfolio.
Sixteen years, one steady climb through credit.
Republic Bank
Managing Director of Commercial Administration, SVP
Lead five credit teams (24+ associates). Head of credit on the Senior and Executive Loan Committees, FDIC asset quality lead, owner of portfolio management, and leader of credit automation and AI, including an AI-enabled appraisal review interface and automated tax-return spreading.
Director of Commercial Administration, VP
PPP origination and forgiveness, three system implementations, credit analysis times cut from 10 days to 2–3 (small business) and 4–5 (commercial). CEO Council participant.
Director of Commercial Credit, VP
Led commercial credit through the PPP surge and earned the August 2020 ROAR award.
BB&T
Portfolio Manager and Senior CRE Underwriter, VP
Underwriter for the #1 CRE lender in 2017 and portfolio manager for a $350MM+ commercial real estate portfolio.
Portfolio Risk Officer
Covenant compliance, underwriting review and risk grading for commercial relationships with exposure up to $308MM.
Capital Planning and Finance, Leadership Associate
CCAR capital planning and Basel III analysis, securities and derivative reporting for the 10-Q, and commercial portfolio reporting.
How I lead: what the results have in common.
Speed and discipline together
Streamlined processes so small business analysis takes a maximum of 2 days for CRE and 3 days for C&I instead of 10.
New technology in legacy processes
Put AI and automation into everyday credit work: an AI-enabled appraisal review interface, automated tax-return spreading, and digitized forms such as the beneficial ownership form and personal financial statement.
Teach the analysis
Coach analysts to weigh risks and mitigants in credit memos through income statement, balance sheet and cash flow analysis, with monthly coaching sessions.
University of Louisville
BS in Business Administration, Finance · 2006 – 2010
Columbia University
Certificate, AI for Finance & Business
Impactful Leadership: Own It Award
Given to people leaders nominated by executive leadership. Recognized for owning constant improvement, including embracing AI in commercial credit.
ROAR Award, August 2020
Peer-nominated, executive-selected, for leading the bank through PPP origination and forgiveness.
Most Outstanding Business School Graduate
University of Louisville Business School, Spring 2010.
BB&T Leadership Associate
10-month program in banking, lending and leadership, financial management concentration.
How to reach me.
For fellow bankers, board members and industry colleagues, the best way to reach me is by email or LinkedIn.