David Jernigan
Little Rock,AR
Summary
Seasoned Commercial Loan Officer with 30+ years of industry experience including different types of loan categories, such as agriculture, indirect, mortgage, SBA, construction of shopping centers subdivisions, and commercial real estate. Also experienced in consumer lending, REO properties, and special work outs. Has a proven track record of providing financial services to clients while managing complex loan transactions. Experienced with building programs from $0 to $32 in 15 months. This included $600,000 average yearly income for the bank.
Good relationship-building and communication skills. A strength is finding the product that meets the customer’s needs. I enjoy becoming a part of the community and joining local organizations such as school, hospital, and charitable organizations, as well as company outreach initiatives. Pursuing full-time role that presents professional challenges and leverages interpersonal skills, effective time management, and problem-solving expertise.Overview
14
14
years of professional experience
Work History
Partner
DHJ Homes, LLC
08.2022 - Current
- Business focus is buying and flipping residential properties.
- Monitored accounts, ledgers of costs with budgets and actual expenditures.
- Stayed informed on market trends to gain competitive advantage between original purchase price and final renovated sales price.
- Networked with other professionals, including subcontractors and realtors, to expand contacts and opportunities.
- Negotiated price and service with suppliers to decrease expenses and increase profit.
Owner/President
AKJ, LLC
01.2022 - Current
- Business started to help customers put together loan packages for banks.
- Managed day-to-day business operations including operational efficiency and productivity - budgets, accounts, and costs.
- Consulted with customers to assess needs and propose optimal solutions.
- Interacted well with customers to build connections and nurture relationships.
Commercial Loan Officer
First Service Bank
07.2021 - 10.2022
- Started with a portfolio of $0 and built it to $13M in less than a year.
- Small commercial loans and wastewater loans
- Processed loan applications and monitored progress from start to finish.
- Executed 5 cold calls each week to develop new loan prospects.
Commercial Loan Officer
Southern Bank
03.2019 - 07.2021
- Started with $7M portfolio and built it to $25M
- Commercial, consumer, construction, mortgage, SBA, and agriculture lending.
- Completed 7 cold calls each week to prospect for new clients.
- Executed 5 cold calls each week to develop new loan prospects.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Supervised 2 loan personnel and motivated to maintain customer service and performance standards.
Vice President/Closing Officer
Standard Abstract and Title
05.2017 - 02.2019
- Communicated requirements and title exception information to clients.
- Reviewed escrow accounting reports and resolved outstanding check or open file balance issues.
- Prepared documents for closing and handled complete disbursement and follow up of escrow transactions.
- Opened incoming orders and set up escrow files within 24 hours of receiving purchase agreement.
- Checked signatures and legal descriptions for accuracy and integrity.
- Supervised 3 employees.
Vice President of Commercial Lending
Homebank of Arkansas
03.2016 - 05.2017
- Beginning portfolio of $11M increased to $27M in 9 months.
- Completed 10 cold calls each week to prospect for new clients.
- Executed 10 cold calls each week to develop new loan prospects.
- Monitored pipelines to track and log status of loans.
- Supervised 3 loan personnel.
- Assessed loan portfolios for compliance with underwriting policies.
- Explained very technical financial information to applicants in easy to understand language.
Mortgage Loan Officer
First Arkansas Bank and Trust
04.2015 - 03.2016
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Assisted customers with completing loan applications and other paperwork.
Vice President/ Commercial Loan Officer
Delta Bank and Trust
01.2011 - 08.2014
- Starting portfolio was $8M and I grew it to $42M before the bank sold.
- Hired to organize and liquidate REO properties for Southeast Arkansas. This was completed in 2 years.
- Agriculture lending and equipment financing.
- Proactively identified solutions for customers experiencing credit issues.
- Supervised 2 employees.
- Explained very technical financial information to applicants in easy to understand language.
Education
High School Diploma -
Parkview High School
Little Rock, ARBanking School -
American Bankers Association
Little Rock, ARNo Degree - Business
University of Arkansas Little Rock
Little Rock, ARCommercial Underwriting -
Southern Methodist University
Dallas, TXSkills
- Customer relationship building
- Client relationship management
- Market analysis
- Sales strategy development
- Financial acumen
- Business development
- Strategic planning
- Workflow optimization
- Account management
Timeline
Partner
DHJ Homes, LLC
08.2022 - Current
Owner/President
AKJ, LLC
01.2022 - Current
Commercial Loan Officer
First Service Bank
07.2021 - 10.2022
Commercial Loan Officer
Southern Bank
03.2019 - 07.2021
Vice President/Closing Officer
Standard Abstract and Title
05.2017 - 02.2019
Vice President of Commercial Lending
Homebank of Arkansas
03.2016 - 05.2017
Mortgage Loan Officer
First Arkansas Bank and Trust
04.2015 - 03.2016
Vice President/ Commercial Loan Officer
Delta Bank and Trust
01.2011 - 08.2014
High School Diploma -
Parkview High School
Banking School -
American Bankers Association
No Degree - Business
University of Arkansas Little Rock
Commercial Underwriting -
Southern Methodist University
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