DALTON BROWN

• Assist with the process of amazon airport cargo for outbound flights, as well as PG (Process Guide) air-to-ground inbound flights on unload.
• Assist management with departmental headcount, maintain balanced workflow, and coordinate with operations to maintain operational efficiency.
• Sorted freight by destination, priority, and flight schedule to support on-time departures.
• Loaded and unloaded air cargo while following safety protocols and handling procedures.

• Advise clients on financial protection and insurance solutions based on individual financial circumstances and objectives
• Develop and manage client relationships while identifying opportunities to address broader financial needs.
• Continuing professional development and studying toward securities licensing.

• Source & produce SBA 7(a) and other SBA lending options for qualified borrowers nationwide, as well as performing underwriting analysis and packaging of all prospective borrowers and their businesses.
• Collaborated closely with cross-functional teams to streamline SBA loan application processes, such as underwriting and closing departments as well as in-house general counsel to ensure the team was operating within SBA guidelines.
• Advised clients on SBA loan eligibility, loan structures, and ensuring small business owners have long-term accessible capital to deploy into their business for growth.
• Built and cultivated collaborative relationships with SBA officials, lenders, brokers, consultants, and other professionals across the industry.

• Sourced & produced over $10MM in commercial and SBA Loans within our Central TX regional footprint (additional $12MM in pipeline in house). Types of Deals: CRE, ground-up construction, REFI, SBA, Subdivision developments.
• Managed portfolio of clients, drove business development, as well as facilitated the packaging and underwriting of all SBA Loans for the bank acting as the key SBA Specialist, to position the bank as a trusted SBA lender in their target market.
• Collaborated with executive leadership in Directors Loan Committee meetings, presenting complex credit analysis and lending recommendations. Worked directly under Chief Lending Officer and mentored by CEO, Patrick Johnson.
• Drove deposit growth through proactive marketing and cross-selling of bank products & treasury services, collaborating closely with other internal departments within the bank to ensure customer satisfaction.

• Originated SBA 7(a) and 504 loans for qualified borrowers within target markets.
• Conducted credit analysis, underwriting, and presentation of loan proposals to loan committees.
• Built a robust referral network through relationships with contractors, CPA's, vendors, and financial partners.
• Helped hundreds of clients throughout the PPP Loan process either through guidance or origination of loan.

• Responsible for the efficient underwriting and processing of Small Business Administration (SBA) 504 Loan projects.
• Perform financial analysis, projections, market analysis of all individuals and business entities to determine approval as well as determine risk associated with each loan. Also responsible for reviewing credit reports, appraisals, environmental studies, feasibility studies, business plans, valuations, purchase contracts, entity documents

• Diversified risk management role in the Servicing Department responsible primarily for gathering as well as analyzing year-end tax returns/financial statements and risk rating of each loan in portfolio.
• Perform “pre-flight” financial analysis on loan opportunities as required by the Board of Directors for high-risk projects such as hotels, ambulatory health care facilities, and other high-risk projects.
• Track portfolio concentrations and make sure high-risk industries such as the Hospitality industry don’t surpass a specific threshold.
• Meet with Senior Servicing Specialists and department managers monthly to discuss the loans listed on the Watch Report.

• Gathered quantitative research & data for hedge fund strategies, which mostly focused on distressed debt of offshore drilling.
• Created financial forecasts and operational roll out plans for investor-backed startups, such as market analysis and business plans.
• Evaluated company financials to identify potential trading and investment opportunities.

Graduated

• Baseball Scholarship

• Graduated
• Dean’s List