Summary
Overview
Work History
Education
Skills
Military Experience
Leadership Experience
References
Timeline
Generic

JAMES MICHIE

Gibsonia,PA

Summary

A solution focused banking executive with experience in commercial credit, lending, asset based lending and special assets seeks challenging leadership opportunity.

Overview

Work History

Executive Vice President / Chief Credit Officer

S&T Bank
2022 - Current
  • Manage a team of 144 highly motivated credit risk and operationally focused professionals
  • Reorganized the Credit Administration Division emphasizing strategy, credit delivery and credit risk management
  • Created an Asset Quality Scorecard and Review document to effectively monitor, communicate and manage the organizations performance
  • Effectively communicate and present to The Board of Directors and Director Level Committees ongoing asset quality metrics, goals, strategies and action plans
  • A primary contact for regulators surrounding safety & soundness, recommendations and various examinations
  • Responsible for ongoing troubled asset management remediation to achieve top quartile peer performance
  • Responsible for credibly challenging and approving allowance calculations, pooling and segment specific reserves
  • Member of the Senior Leadership Team in support of creating and deepening the credit culture of the organization
  • Built strong working relationships between all business leaders to create an open problem solving environment in support of the organizations short and long-term goals

Senior Vice President / Senior Credit Officer

First Horizon Bank
2016 - 2022
  • Member of the risk leadership team in support of the credit quality and culture of the organization
  • Signature credit authority up to $35,000,000 with renewal authority up to $50,000,000
  • Assist various lending divisions including but not limited to Asset Based Lending, Equipment Finance & Leasing, Large Corporate, and International Lending
  • Authored credit policy for certain specialty lending groups and credit go to market strategies to conform to the Bank's objectives
  • Executes additional duties commensurate with Line 2 credit leader, specifically Leveraged Lending, Asset Quality trends, and energy portfolio trends
  • Performs merger, acquisition and portfolio purchase due diligence reviewing policies, procedures, and mark to market assessments.

Managing Director / Division Credit Executive

Talmer Bank & Trust
2015 - 2016
  • Member of the leadership team in support of the Commercial Finance Division focusing on Commercial Finance and Asset Based lending transactions
  • Signature credit authority up to $5,000,000 and a voting member of the Bank's Senior Loan Committee
  • Responsible for the overall asset quality, reporting and forecasting of the division's portfolio
  • Lead a team of high performing portfolio managers who are responsible for the underwriting and daily customer facing interactions for the Bank and act as the first line of defense for asset quality deterioration for approximately a $500 million portfolio
  • Primary division contact responsible for both internal and external credit reviews, audits and examinations
  • Drives the division's asset quality profile through the authoring of and adherence to the Bank's and Division's credit policy.

Managing Director / Special Assets Group Manager

Talmer Bank & Trust
2010 - 2015
  • Signature credit approver and voting member of the Special Assets' Credit Committee
  • Manage a team of high performing special assets officers and support staff who negotiate loan restructures, liquidation, and settlement strategies on a CRE and C&I portfolio totaling $375 Million in Michigan, Ohio, Indiana, Wisconsin, & Nevada
  • Ensure asset quality, procedures, and department objectives are exceeded
  • Responsible for determining, structuring and maintaining income tax advantages on assets acquired through the bankruptcy process
  • Maintain and service the Bank's adversely rated government guaranteed (SBA) non-performing credits in compliance with the SOP.

Vice President / Senior Workout Officer

Talmer Bank & Trust
  • Provide leadership and direction to regional Portfolio Officers relating to the workout process, structuring Forbearance Agreements and enforcement of Creditor's Rights
  • Manage the largest and most complex workout and bankruptcy credits in the region
  • Returned approximately $2.6 million in recoveries for FY 2013.

Vice President / Special Assets Portfolio Officer

Bank of America (formerly LaSalle Bank)
2008 - 2010
  • Managed a criticized asset portfolio in excess of $110 million with an emphasis on C&I credit
  • Performed detailed balance sheet, income statement and cash flow analysis to determine the credits risk profile and loss mitigation
  • Successfully resolved 64% of the portfolio balance for FY 2010 in a troubled market.

Assistant Vice President / Commercial Loan Officer

LaSalle Bank
2004 - 2008
  • Managed a C&I portfolio in excess of $115 million including 26 relationships, including the second largest relationship in the region
  • Generated economic profit of over $700 thousand through expansion of the customer base and cross selling derivatives, treasury and wealth management services.

Credit Analyst

LaSalle Bank
2002 - 2004
  • Completed a three-month formal credit training program and three 6-month divisional rotations in Metropolitan banking (revenues of $5 million to $50 million) and Middle Market banking (revenues more than $50 million, including international, publicly traded companies and not-for-profit healthcare.

Education

Bachelor of Arts in Finance -

Michigan State University
East Lansing, MI
01.2001

Skills

  • Credit Evaluations
  • Risk Analysis
  • Commercial Finance
  • Asset-Based Lending
  • Commercial Real Estate (CRE)
  • Commercial & Industrial (C&I)
  • Risk Assessment / Risk Management
  • Workout Situations
  • Exit Strategy
  • Bankruptcy
  • Negotiation
  • FDIC Loss-Share Experience
  • Training
  • Syndicated Transactions
  • Due Diligence
  • Small Business Administration (SBA)

Military Experience

13-year Veteran of the United States Army and Michigan Army National Guard (1994 - 2007). Assigned to a joint Lockheed Martin / US Army missile defense program to develop a long range tactical ballistic missile defense system.

Leadership Experience

  • Member of the St. Andrew's Society of Detroit
  • Member of the Detroit Economic Club
  • Past President, Moraine Elementary Parent Teacher Association
  • Past Vice President, Moraine Elementary Parent Teacher Association
  • Past Vice-President and Treasurer of the Delta Psi Chapter of Kappa Sigma Fraternity

References

AVAILABLE UPON REQUEST

Timeline

Executive Vice President / Chief Credit Officer

S&T Bank
2022 - Current

Senior Vice President / Senior Credit Officer

First Horizon Bank
2016 - 2022

Managing Director / Division Credit Executive

Talmer Bank & Trust
2015 - 2016

Managing Director / Special Assets Group Manager

Talmer Bank & Trust
2010 - 2015

Vice President / Senior Workout Officer

Talmer Bank & Trust

Vice President / Special Assets Portfolio Officer

Bank of America (formerly LaSalle Bank)
2008 - 2010

Assistant Vice President / Commercial Loan Officer

LaSalle Bank
2004 - 2008

Credit Analyst

LaSalle Bank
2002 - 2004

Bachelor of Arts in Finance -

Michigan State University
JAMES MICHIE