David Bonds
Jenks,OK
Summary
Dynamic and results-oriented professional with extensive expertise in commercial loan documentation, underwriting, and financial analysis. Proven ability to efficiently process and fund a wide range of commercial loans while maintaining rigorous adherence to regulatory standards. Recognized for leadership skills that foster team collaboration, drive process improvements, and support strategic planning initiatives. Committed to delivering exceptional outcomes that align with organizational goals and enhance operational efficiency.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Due Diligence Underwriter
Stonehill Group
Remote
05.2021 - Current
- Utilize proprietary and Laura Mac systems to conduct pre-fund reviews to ensure precise underwriting in accordance with governmental guidelines and client overlays. Reviews include verification of proper documentation, such as promissory notes, mortgages/deed of trusts, title commitment, hazard insurance, flood certificates, borrowing entity (LLC, trust, individual, etc), and accurate income and asset calculations.
- Utilize proprietary and Laura Mac systems to perform post-close assessments to verify compliance with governmental regulations and investor overlays. Assessments include verification of proper documentation, such as promissory notes, mortgages/deed of trusts, title commitment, hazard insurance, flood certificate, borrowing entity (LLC, trust, individual, etc), and accurate income and asset calculations.
- Preform pre-fund and post-close reviews timely to meet service level agreements while maintaining high work quality with an accuracy in excess of 95%.
Senior Credit Analyst
AVB Bank
Broken Arrow, Oklahoma
12.2018 - 09.2020
- Managed commercial loan underwriting requests, including operating lines, term loans, equipment financing, asset-based loans (ABL) supporting commercial loan officers across multiple branches.
- Analyzed financial documentation for key financial data points in order to determine current financial trends and forecast future performance.
- Reviewed credit approvals for proper loan structure.
- Analyzed market and industry trends to manage risks within company parameters.
- Oversaw residential construction and development loan requests, providing mentorship to junior analysts.
- Skillfully processed loan modifications and PPP loan requests during challenging financial times.
Credit Manager
Equity Bank
Tulsa, Oklahoma
02.2015 - 12.2018
- Supervised a team of junior credit analysts, overseeing commercial loan underwriting across multiple states.
- Analyzed loan requests for investor and developers, including land development, rehabilitation, and construction.
- Underwrote a variety of projects and request including mortgage warehousing, commercial real estate development, commercial lines of credit, and asset-based loans.
- Led underwriting for a $10MM multi-tenant commercial real estate project and a $16M manufacturing expansion.
- Played a key role in mergers and acquisitions, providing financial disclosures to the SEC.
Credit Analyst Officer
Central National Bank & Trust Company of Enid
Tulsa, Oklahoma
- Specialized in commercial loan underwriting and supported portfolio managers in managing over $100MM in loans.
- Primary underwriter for Government Guaranteed Loan Products, demonstrating in-depth knowledge of SBA requirements.
- Preformed review of closing documents to verify accuracy and administered loan closing.
Senior Portfolio Manager / Loan and Compliance Review Analyst
Firstar Bank
Muskogee, Oklahoma
- Built internal audit & loan review department including standard operating procedures, forms, reports, and review criteria. Developed audit procedures and loan review criteria.
- Developed database programs to streamline the monitoring of warehouse and floorplan line funding and auditing.
- Reviewed loans for credit quality and adherence to bank loan policy.
- Review bank operations for compliance with bank policies and regulatory agencies.
Loan Review Officer / Internal Auditor
BancFirst
Oklahoma City, Oklahoma
- Developed a database program to automate & streamline the loan review sampling process. Streamlining processes from 5-7 business days to only taking a few hours.
- Reviewed loans for credit quality and adherence to bank loan policy.
- Review bank operations for compliance with bank policies and regulatory agencies.
Education
MBA - Finance, Marketing, and Information Technology
Oklahoma City University
Oklahoma City, OklahomaBachelor of Arts - Business Administration
Westminster College
Fulton, MissouriSkills
- Commercial Loan Processing
- AI Automation
- Loan Underwriting
- Risk Mitigation
- Loan Documentation
- Market Analysis
- Team Leadership
- Process Optimization
- Problem Solving
- Analyzing data
- Documentation review
- Risk assessment
- Credit analysis
- Data interpretation
- Portfolio management
- Risk management
Certification
- Certified Master Mortgage Underwriter (CMMU) – National Association of Mortgage Underwriters
- Insurance Agent – Oklahoma - Life, Accident, and Health or Sickness
- Certified Commercial Underwriting & Processing (CCUP) – National Association of Mortgage Underwriters
- AI Automation Certification
Timeline
Due Diligence Underwriter
Stonehill Group
05.2021 - Current
Senior Credit Analyst
AVB Bank
12.2018 - 09.2020
Credit Manager
Equity Bank
02.2015 - 12.2018
Credit Analyst Officer
Central National Bank & Trust Company of Enid
Senior Portfolio Manager / Loan and Compliance Review Analyst
Firstar Bank
Loan Review Officer / Internal Auditor
BancFirst
MBA - Finance, Marketing, and Information Technology
Oklahoma City University
Bachelor of Arts - Business Administration
Westminster College