David Harris
Westwood Hills,KS
Summary
Results-driven professional with extensive experience in commercial real estate finance. Skilled in leading national teams and implementing strategic risk mitigation measures. Committed to ensuring regulatory compliance while optimizing portfolio performance and enhancing decision-making processes.
Overview
21
21
years of professional experience
Work History
Underwriting Manager (SVP) | CRE Housing Capital
U.S. Bank
Kansas City, Missouri
05.2021 - Current
- Led national team of credit analysts and portfolio managers overseeing $6B CRE/homebuilder loan portfolio.
- Developed financial models and underwriting templates, enhancing efficiency and supporting data-driven decisions.
- Oversaw credit approval processes, reducing portfolio risk through strategic mitigation and detailed analysis.
- Presented loan commitments and financial strategies to senior leadership, ensuring alignment with regulatory policies.
Portfolio Manager (VP) | CRE Structured Finance
U.S. Bank
Kansas City, MO
10.2019 - 05.2021
- Managed $2B+ Real Estate Structured Finance portfolio, implementing strategic risk mitigation to optimize returns.
- Executed bank-wide processes for multiple OCC exams in Commercial Real Estate, ensuring favorable results.
- Directed National Quality Control team for CRE, improving efficiency and accuracy of credit assessments while minimizing errors.
Regional Portfolio Manager (VP) | CRE
U.S. Bank
Kansas City, MO
08.2017 - 10.2019
- Managed risk and surveillance on $2B–$4B of syndicated and bilateral CRE facilities across various sectors.
- Developed portfolio-level dashboards to monitor DSCR, LTV, occupancy, rent rolls, and sponsor financials.
- Presented quarterly strategy updates to senior leadership to inform decision-making.
- Achieved a 28% reduction in criticized assets through early intervention and covenant restructuring.
Credit Analyst/Portfolio Manager (AVP)
U.S. Bank
Kansas City, Missouri
12.2014 - 08.2017
- Analyzed credit data to determine customer eligibility for loans.
- Evaluated financial statements and credit reports for risk assessment.
- Collaborated with loan officers to structure loan agreements effectively.
Branch Manager (AVP)
U.S. Bank
Olathe, Kansas
04.2012 - 12.2014
- Managed staff recruitment, training, and performance evaluations.
- Led branch operations and ensured compliance with banking regulations.
- Developed customer relationships to enhance service quality and satisfaction.
Regional Quality Assurance Coordinator
AIG
Overland Park, Kansas
04.2007 - 03.2012
Branch Manager
AIG
Lee's Summit, Missouri
01.2005 - 04.2007
Education
MBA -
University of Missouri-Kansas City
Kansas City05-2014
Bachelor of Science - Business Administration And Management
Truman State University
Kirksville, MOSkills
- Financial modeling and risk analysis
- Leadership and team management
- Adaptability and change management
- Complex problem solving
- Executive communication
- Credit risk management
- Operations oversight
- Reliability and trustworthiness
Affiliations
- Kansas City Ballet: Treasurer of The Board of Directors; Chairman of Operations and Finance Committee; and Co-Chair of the Investments Sub-Committee (2016 -Present)
- Cancer Action: Past President (Two Terms) of The Board of Directors (2013 - Present)
- Shawnee Chamber Future Leader Exchange (FLEX): Leadership Panelist and Mentor (2023)
- Sporting Kansas City: Youth Soccer Coach (2016 - 2020)
- Queen of The Holy Rosary Parish: Member of the Finance Council (2017 - 2020)
- U.S. Bank Development Network Board: Vice-President of Kansas City Chapter (2015 - 2018)
Timeline
Underwriting Manager (SVP) | CRE Housing Capital
U.S. Bank
05.2021 - Current
Portfolio Manager (VP) | CRE Structured Finance
U.S. Bank
10.2019 - 05.2021
Regional Portfolio Manager (VP) | CRE
U.S. Bank
08.2017 - 10.2019
Credit Analyst/Portfolio Manager (AVP)
U.S. Bank
12.2014 - 08.2017
Branch Manager (AVP)
U.S. Bank
04.2012 - 12.2014
Regional Quality Assurance Coordinator
AIG
04.2007 - 03.2012
Branch Manager
AIG
01.2005 - 04.2007
MBA -
University of Missouri-Kansas City
Bachelor of Science - Business Administration And Management
Truman State University