Dylan Rice
Scottsboro,AL
Summary
Accomplished and proven across diverse roles. Commercial Loan Officer, entrepreneur, and business owner, adept in operations management, risk evaluation, and real estate knowledge, boosting a commercial portfolio balance to $11M. Skilled in cultivating client relationships with good relationship-building and communication skills. Proven skills in generating and converting leads into loan customers. Skilled in fostering client relationships and optimizing operational efficiency, showcasing strong self-motivation and tenacity.
Overview
7
7
years of professional experience
Work History
Managing Member
Hi-Jackson Properties LLC
02.2022 - Current
- Evaluate and recommended changes in rental pricing strategies to remain competitive in market.
- Handle tenant complaints promptly and appropriately, calling in repairmen, and other support services.
- Follow up on delinquent tenants and coordinate collection procedures.
- Complete final move-out walk-throughs with tenants to identify required repairs.
- Introduce prospective tenants to types of units available and performed tours of premises.
- Verify income, assets, and expenses, and completed file tracking sheet for each applicant.
- Monitor timely receipt and reconciliation of rent collections in accordance with tenant leases.
- Maintain original leases and renewal documents in digital and hardcopy format.
Commercial Loan Officer, AVP
Citizens Bank and Trust
09.2021 - Current
- Conduct interviews and reviewed financial history, credit and property evaluations of each customer.
- Maintain compliance with laws and regulations governing commercial loans.
- Built trust and promote customer loyalty throughout underwriting process.
- Develop and maintained relationships with customers, lenders and other third parties.
- Explain very technical financial information to applicants in easy to understand language.
- Analyze potential risks and evaluate loan products to identify suitable options for customers.
- Negotiated loan terms and conditions with customers to secure best deal.
- Compiled closing packages for drafting and presentation accuracy.
- Manages current portfolio balance of over $11mm.
Business Owner - Kramer's Gym
Kramer's Gym
06.2021 - Current
- Manage day-to-day business operations.
- Train and motivated employees to perform daily business functions.
- Enhance operational efficiency and productivity by managing budgets, accounts, and costs.
- Establish foundational processes for business operations.
- Monitor market conditions to set accurate product pricing and take advantage of emerging trends.
- Manage purchasing, sales, marketing and customer account operations efficiently.
- Cultivate and strengthen lasting client relationships using strong issue resolution and dynamic communication skills.
- Negotiate price and service with customers and vendors to decrease expenses and increase profit.
- Track employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.
- Monitor daily cash discrepancies, inventory shrinkage and drive-off.
Loan Officer
FNB Bank
01.2019 - 09.2021
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Maintained strict confidentiality of bank records and client information.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
Credit Analyst
FNB Bank
02.2018 - 12.2018
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Assessed credit risk and analyzed financial statements.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Improved understanding of financial statements, which helped in assessing risk.
Education
BBA - Business Administration And Management
University of Alabama At Huntsville
Huntsville, AL12-2017
Associate of Science -
Kishwaukee Community College
Dekalb, IL08-2015
Skills
- Intellectual property management
- New business launch
- Human resources management
- Operations management
- Operations supervision
- Underwriting expertise
- Cash flow analysis
- Real estate knowledge
- Risk evaluation
- Self motivation
Additional Information
College baseball player from 2012 to 2015 (Kishwaukee Community College/Faulkner University).
Timeline
Managing Member
Hi-Jackson Properties LLC
02.2022 - Current
Commercial Loan Officer, AVP
Citizens Bank and Trust
09.2021 - Current
Business Owner - Kramer's Gym
Kramer's Gym
06.2021 - Current
Loan Officer
FNB Bank
01.2019 - 09.2021
Credit Analyst
FNB Bank
02.2018 - 12.2018
BBA - Business Administration And Management
University of Alabama At Huntsville
Associate of Science -
Kishwaukee Community College
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