Daniel Wheeler

• As a senior commercial loan officer, authorized to approve and sign up to the $2M authority lending limit. I have the ability to underwrite, and approve all loan packages within my authority. The loans are reviewed by management, and the loan compliance department to ensure the loan aligns with banks credit risk policy and risk appetite. Loans originated are Commercial & Industrial (C&I) and Commercial Real Estate (CRE).

Loan Oversight and Controls:

• Management of ALL aspects of the loan structuring, terms, conditions, covenants, pricing, and administration from inception to close.
• Management of ALL aspects of construction loans, approving the budget, boarding, construction monitoring, and approving all draw requests.
• Oversee the loan underwriting and evaluation of the credit performance. Including analyzing the company's cash flow, balance sheets, collateral evaluation, and personal financial statements analysis of sponsors. Current and historical stress test of the company's financials up to 3 years.
• Collaborate with the senior credit officer, senior management to finalize terms and conditions of any and all loan approvals above $2M.
• Recommend and assign proper lending credit grade according to the risk, and add moody's risk rating reporting for compliance.
• Maintain orderly and properly documented files to manage the preparation of annual loan reviews, loan renewals, loan modifications, loan asset quality reports, and collections efforts on past due and or any forbearance, or defaulted loans.
• Recommend full depository relationships to treasury management partners to strengthen and maximize profitability.
• Manage complex, multi-product line account client relationships as the officer for the bank.
• Serve as a trusted advisor to existing and new clients while promoting and selling the bank's full suite of products and services.
• Actively support business with revenues of $2-100M and greater.

Daily functions:

• Monitoring of loan portfolio to ensure proper administration of all required compliance needs.
• Work closely with lending assistant to ensure efficiency and seamless work processes related to the loan and deposit relationships.
• Work with retail staff to support the opening of new commercial deposit accounts to ensure proper documentation, pricing, forms and onboarding.
• Management and record all deposit and loan activity in the companies CRM program (Sales Force) which assists senior management to accurately report budgets. Adding new opportunities and disposition all leads from sale and to close status.
• Attend weekly pipeline meetings and deliver expected loan numbers to contribute to the budget.

• As a senior commerical loan officer my lending authority was up to $1M.
• Implemented a commercial growth plan to actively target and cultivate new organic client relationships which generate positive cash flow for the bank.
• Assist with bank participation agreements between partner institutions.
• Actively support business with revenues of $2-100M and greater.
• Underwrite, structure, credit analytics, approve and present to the loan committee.
• Collaborate with market president to facilitate approvals on new relationships.
• Collaborate directly with the credit officer, and credit department in the preparation of the credit package to present to the loan committee.
• Preparation of loan origination, processing, funding of all loan docs for closing, and approval of due diligence reports.
• Complete quarterly financial reporting for all relationships which include documentation of active RM Ticklers, loans coming due, covenant of lines, borrowing base to meet the risk requirements and maintain credit compliance.
• Maintain properly documented files and manage renewals and collections efforts on past due and defaulted loans.
• Recommend and assign proper lending credit grade according to risk, and compliance of credit capacity.
• Assist with drawdowns, lines of credit advancements, and perform daily account maintenance to ensure client satisfaction.
• Origination of various loan opportunities in Real Estate, C&I lending, Healthcare, business expansion, new construction projects, and equipment finance.
• ABL lending which include borrowing base certificates of account receivables, inventory and company assets.
• Build a network with both internal and external lines of business.
• Work with small to midsize companies to support their bottom line and maximize the bank's profitability P&L.
• Recommend full depository relationships to treasury management partners to strengthen and maximize profitability.
• Manage complex, multi-product client relationships as the officer for the bank.

• Worked with a commercial lending broker who facilitate new capital partnership opportunities.
• Actively support business with revenues of $1 - $100M and greater.
• Cultivate new organic lending opportunities to present to partner banking relationships for capital project needs.
• Work with a network of over 100 traditional bank lenders, SBA and private investment banks on all traditional or alternative lending solutions.
• Assisted in self underwriting and worked closely with analysts to present opportunities for bank partners.
• Presentation of credit appetite memos to bank partners.
• Create value with clients with a consultative approach, presentations, structure and find capital to meet the needs of my clients.
• Consult, teach, and inform clients of various loan structures to help meet their needs and benefits.

• Actively support business with revenues of $3 - $50M+.
• Cultivate new while managing existing profitable client relationships.
• Worked with team manager to support approvals who has a credit authority to approve deals up to $2.5M or credit officer up to $5M.
• Actively manage a portfolio of $50M in the greater Houston area, to include Galveston, Dickenson, League City, Pearland, and other markets in south Houston.
• Collaborated directly with underwriters, and credit analysts to present profitable lending relationships.
• Completed timely account reporting for all relationships which include documentation of active covenant of lines and borrowing base.
• Maintain active communication with clients for quarterly reporting of financials to present and retain proper credit covenants.
• Support the ongoing effort to present new opportunities to acquire full relationships. Which includes deposits, ABL lending, Letter of Credit, Line of Credit, Borrowing Base of AR's and active collateral.
• Actively submit renewals, affirmations, quarterly compliance audits and manage proper borrowing base calculation to meet the risk requirements of each relationship.
• Assist with drawdowns, lines of credit advancements, and perform daily account maintenance to ensure client satisfaction.
• Review and analyze company financials to support or recommend a course of action for their current cash needs.
• Strong focus on secured Real Estate, expansion projects, construction projects, ABL lending which include borrowing base certificates of account receivables, inventory, and company assets.
• Assign proper lending limits in accordance with risk, and compliance of credit capacity.
• Recommend depository, treasury management lending solutions to help meet client needs.

• Cultivate new organic relationships while managing an existing profitable client portfolio.
• Understand and recommend a broad range of financial products and services. Seek targeted market of small to midsize companies to support their bottom line and maximize bank profitability financial model.
• Support Houston and assigned market as a business lender with assertive skills in real estate, C&I lending, ABL loan, Lines of credit and SBA 7A or 504 loans.
• Strong focus on commercial real estate, construction, healthcare, manufacturing as preferred industries.
• Support as commercial partner and cross lines with multiple channels within banks lines of business, Middle Market Commercial, Wealth, Private Client, and retail.
• Manage business portfolio, while maintaining profitable return on equity for bank.
• Manage and support merchant service and treasury management components to maximize income potential for bank.
• Business portfolio consisted of high-net-worth business and preferred industries such as manufactures, health care practices, consulting firms etc.
• Perform financial/risk analysis on business, credit capacity, assets allocation and loan structure for the bank.
• Supported business with revenues $1 - $50M+.

• Support Houston and assigned north market as a business banking team partner.
• Actively acquire new relationships and maintain an existing portfolio.
• Manage and support merchant service and treasury components to maximize income potential for the bank.
• Business portfolios consist of high-net-worth business in (C&I) commercial and industrial industries.
• Originate and support small health care loans to medical practices.
• Analyze and recommend loan based on cash flow capacity for each business.
• Business focus with companies in the $1M - $25M space.

• Build and coach a cohesive sales driven team to support the needs of our clients and help maximize bank financial growth.
• Support a business financial plan to meet and exceed the company's profitability model and key performance initiatives.
• Manage a portfolio of new and existing clients with high affluent net worth.
• Interactive outside networking, community engagement, and business development.
• Implement and ensure the sales management process is consistently demonstrated through daily huddles, and weekly debriefs with the team to measure progress/success.
• Inspected regulatory compliance standards, internal audit, security, and bank policies are met to reduce company risk.