Microsoft Excel
David A. Vega
Banking And Finance
Columbus,MS
Summary
Experienced credit professional with over 20 years of experience within the banking and financial services industry. Excellent reputation for resolving problems and improving customer satisfaction.
Overview
21
21
years of professional experience
3
3
years of post-secondary education
2
2
Certificates
Work History
Credit Analyst 5
U.S. Bancorp
Minneapolis, MN
02.2021 - Current
- Gathered loan documentation for underwriting
- Evaluated level of risk by determining loan-to-value, collateral, guarantor strength, debt service coverage, NOI for D&I, C&I and CRE loans ranging from $2 million to $20 million
- Performed credit analysis by gathering, analyzing and interpreting all types of credit information on existing and prospective customers
- Reviewed customer accounts to identify, evaluate, determine appropriate course of action on potential credit quality issues
- Performed covenant testing to ensure loans are in compliance with terms of loan agreement
- Analyzed data such as financial statements, appraisals, D&B Finance Analytics to determine strength of the loan to minimize risk and potential loss to the bank
- Analyzed financial status and credit of applicants to determine risk and grade of loan
- Performed annual reviews of bank portfolio consisting of $285 million spread out over 64 relationships
- Learned new skills and applied to daily task to improve efficiency and productivity
- Worked from home office100% Remote
Commercial Loan Reviewer
UNICON Financial Services, Inc
Long Beach, CA
12.2020 - 02.2021
- Performed reviews on contract basis on various projects
- Responsible for reviewing commercial loans such as: commercial real estate (CRE), construction & land development, commercial & industrial loans (C&I), asset-based lending, and trade finance
- Collaborated with team members to achieve target results
- Worked from home office 100% remote
Assistant Vice President, Relationship Manager
BancorpSouth
Columbus, MS
12.2014 - 08.2020
- Met needs of prospective and existing customers to maximize use of bank products and financial services.
- Originated, processed, closed and administered up to 20 loan proposals per year.
- Increased deposits by $17 million for FYE 2020, increasing branch profitability by 50%.
- Advised clients on commercial and personal loans.
- Developed prospects for new loans by calling on existing customers and following up on referrals.
- Served as CRA Liaison organizing bank donations and financial literacy programs.
Assistant Vice President, Loan Review Officer
BancorpSouth
Tupelo , MS
06.2010 - 12.2014
- Performed vertical and horizontal portfolio reviews on borrowers with aggregate debt of $250,000 or more with criteria based on credit type, repayment history, renewals, non-accruals, bankruptcy, previous risk rating and loans classified in last State or FDIC examination
- Served as Examiner in Charge, executing completion of portfolio loan exams of bank’s larger and more complicated examinations to assess loan portfolio quality of its branches
- Completed process of each exam assigned including performing credit analysis, evaluating loan documentation and reporting findings to Market Presidents, Senior Management and Board of Directors Committee
- Evaluated bank’s conformance with policies, procedures and federal regulatory requirements
- Composed detailed technical reports for credit administration that identified problem loans, irregularities, exceptions, and gave recommendations for corrective action
- Performed analysis of personal financial statements and rent roll documentation to determine repayment ability, performance trends and estimated debt service coverage
- Prepared and published findings to include establishment of rating for asset quality, loan management and recommendations for improvement
- Trained staff in audit and credit analysis procedures.
Loan Review Officer II
Cadence Bank
Starkville, MS
08.2000 - 03.2010
- Reviewed credit reports, loan documentation, financial statements and other documents as needed to determine risk rating on loans
- Performed branch audits to determine soundness, ability to collect, and risk on commercial loans
- Compiled detailed reports for credit administration to identify problem loans, irregularities, exceptions, and recommended corrective action
- Prepared and analyzed monthly reports to identify condition of bank’s loan portfolio
- Created procedures manual to assist in daily functions within Loan Review Department
- Evaluated bank’s conformance with policies, procedures, and regulatory requirements.
Education
Bachelor of Science - Accounting
Mississippi University For Women
Columbus, MS 08.2000 - 05.2002
Bachelor of Science - Business Management
Mississippi University For Women
Columbus, MS 08.1997 - 01.1997
Associate of Applied Science - Banking And Finance
East Mississippi Community College
Scooba, MS 08.1995 - 05.1997
Skills
Financial Analysis, Credit Risk Analysisundefined
Additional Information
Performance Awards:
- 2018 Golden Triangle Volunteer of the Year
- Golden Triangle Leadership Graduate 2017
Community Involvement:
- Community Reinvestment Act Liaison
- Honorary Columbus Air Force Base (CAFB) Commander
- CAFB Community Council Board Member
- Columbus Chamber Military Affairs Committee Member
- Columbus Chamber Education Committee Member
- Columbus Chamber Ambassador
- Golden Triangle Leadership Graduate 2017
- Exchange Club Board Member
- United Way Executive Board Member
- Boys and Girls Club of MS Board Member
Software
Microsoft Outlook
Microsoft Word
ALS Banking System
Hogan Banking System
Nettracks Banking System
Platform 10 and 20
Zoom
WebEx
Microsoft Teams
Credit Lens
CAPE
NCino
Bukers Tax Analysis
Certification
Graduate School of Banking at Louisiana State University
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Commercial Real Estate Specialist
05-2022
Credit Analyst 5
U.S. Bancorp
02.2021 - Current
Commercial Loan Reviewer
UNICON Financial Services, Inc
12.2020 - 02.2021
Graduate School of Banking at Louisiana State University
05-2016
Assistant Vice President, Relationship Manager
BancorpSouth
12.2014 - 08.2020
Assistant Vice President, Loan Review Officer
BancorpSouth
06.2010 - 12.2014
Bachelor of Science - Accounting
Mississippi University For Women
08.2000 - 05.2002
Loan Review Officer II
Cadence Bank
08.2000 - 03.2010
Bachelor of Science - Business Management
Mississippi University For Women
08.1997 - 01.1997
Associate of Applied Science - Banking And Finance
East Mississippi Community College
08.1995 - 05.1997
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