David Troastle
Kerens,WV
Summary
Knowledgeable financial professional experienced in a range of financial services and products. Good organizational and critical thinking skills. Offering 13 years of related experience.
Overview
18
18
years of professional experience
Work History
Chief Credit Officer
Davis Trust Company
04.2018 - Current
- Analyze applicants' financial status and credit and property evaluations to determine loan feasibility.
- Devise collection recovery strategies to resolve customer issues and delinquent cases.
- Obtain and interpret financial statements to assist in credit limit reviews.
- Review and verify income, credit reports and employment histories for each borrower.
- Organize and finalize loan applications for underwriting.
- Check appraisals, title information and insurance documents for loans in underwriting.
- Investigate and resolve customer disputes related to credit decisions.
- Make decisions and recommendations about extending lines of credit, consumer loans, mortgage loans, and small commercial loans.
- Maintain compliance with applicable regulations and laws governing consumer credit.
- Perform credit reviews on corporations to assess financial conditions.
- Conduct presentations to upper management and executive teams for loan recommendations.
- Negotiate payment plans and loan terms with delinquent customers.
- Analyze creditworthiness of loan applicants and determine credit risk of loan requests.
- Analyze and monitor portfolio credit performance against expectations.
- Originate domestic wires for customers.
- Maintain lending origination software, loan check writing software, and loan department hardware.
Branch Manager
Davis Trust Company
01.2016 - 04.2018
- Maintained friendly and professional customer interactions.
- Resolved various issues impacting business operations.
- Examined customer loan applications for loan approvals and denials.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Performed internal audits of teller drawers when needed.
- Evaluated and negotiated contracts to procure favorable services for the branch.
- Interacted and collaborated with Senior Management regarding operations at Bank and its branch.
Consumer Loan Officer
Davis Trust Company
01.2011 - 01.2016
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Maintained strict confidentiality of bank records and client information.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Submitted loan applications to board of directors for recommendations and approvals when needed.
- Collaborated with other departments to promptly process loan applications.
- Monitored performance of existing consumer loan portfolios to identify and address any issues.
- Created and managed indirect lending and floorplan relationships with local dealers.
- Conducted floorplan checks and followed up with dealers to ensure collateral reconciliation.
- Utilized collection strategies to reduce delinquency within in the consumer loan portfolio.
- Performed repossessions and conducted public sales in accordance with West Virginia State Code and Uniform Commercial Code.
Teller
Davis Trust Company
05.2010 - 01.2011
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Processed customer transactions promptly, minimizing wait times.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Maintained knowledge of bank products and services to provide appropriate recommendations to customers.
- Learned about customer's financial needs, established trust, and optimized sales opportunities resulting in quality customer service.
- Educated customers on use of banking website and mobile apps.
- Monitored and reported suspicious activity in line with bank security policies.
- Maintained friendly and professional customer interactions.
- Processed wide variety of retail banking transactions for personal and commercial customers.
- Referred customers to other banking departments for specialized services.
- Performed account maintenance by closing out accounts and changing customer addresses.
- Received mortgage, loan or public utility bill payments, verifying payment dates and amounts due.
- Arranged monies received in cash boxes and coin dispensers according to denomination.
Sales Associate
Wal-Mart Supercenter
08.2008 - 05.2010
- Rotated stock and restocked shelves in the deli department to maintain product availability and store appearance.
- Answered customer questions about deli department products.
- Maintained calm demeanor and professionally managed issues in busy, high-stress situations.
- Assessed customer needs and utilized suggestive selling techniques to drive sales.
- Delivered energetic responses to customers in-store and by telephone, going above and beyond to serve needs.
- Stocked merchandise, clearly labeling items, and arranging according to product type.
- Created inviting environment for customers by maintaining store organization and cleanliness.
- Provided exceptional services and pleasant shopping experiences to retail customers.
- Prioritized helping customers over completing other routine tasks in store.
- Monitored customers for signs of security concerns and escalated issues to management.
- Wrapped, boxed and weighed deli department products.
- Assisted in special ordering for bakery department products when needed.
Laborer Supervisor
Dirt Works
04.2006 - 08.2006
- Stocked and labeled inventory.
- Assisted customers in the ordering of ATV, UTV, and Motorcycle parts.
- Cleaned Inventory.
- Cleaned showroom and facilities.
- Delivered and picked up inventory to customers or from other dealers.
- Assisted in the mechanic shop.
- Small handyman jobs such as painting or landscaping.
Education
No Degree - Residential Mortgage Diploma
The American Banker's Association
03.2014
No Degree - Supervisors Certificate
The American Banker's Association
08.2013
No Degree - Consumer Lending Diploma
The American Banker's Association
04.2013
Bachelor of Arts - Criminology
Davis & Elkins College
Elkins, WV05.2010
Skills
- Risk Analysis
- Financial Statement Review
- Risk Assessment
- Collateral Risk
- Delinquency Monitoring
- Documentation Management
Accomplishments
- Member of the Leadership Banker Development Group for the WV Banker's Association from 2015-2022.
- Aware of the many facets of compliance banking law and regulations through annual training.
- Well versed in the necessity for privacy and confidentiality of customer's information and accounts.
- Awarded the People's Choice Award April 23, 2021 sponsored by the Inter-Mountain.
Timeline
Chief Credit Officer
Davis Trust Company
04.2018 - Current
Branch Manager
Davis Trust Company
01.2016 - 04.2018
Consumer Loan Officer
Davis Trust Company
01.2011 - 01.2016
Teller
Davis Trust Company
05.2010 - 01.2011
Sales Associate
Wal-Mart Supercenter
08.2008 - 05.2010
Laborer Supervisor
Dirt Works
04.2006 - 08.2006
No Degree - Residential Mortgage Diploma
The American Banker's Association
No Degree - Supervisors Certificate
The American Banker's Association
No Degree - Consumer Lending Diploma
The American Banker's Association
Bachelor of Arts - Criminology
Davis & Elkins College
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