James Sanchez
McAllen,TX
Summary
Knowledgeable Director with over 23 years of experience in credit risk and loan review. Focused on maximizing resource utilization to support bank operations and increase team efficiency. Organized and systematic with natural relationship-building and leadership talents.
Overview
22
22
years of professional experience
Work History
Director of Loan Review and Credit Risk
Vantage Bank Texas
McAllen, TX
01.2014 - Current
- Responsible for credit risk management, loan review, participation, and construction teams.
- Supervise 18 full-time employees
- Design and execute internal loan review program for a $3.1 billion portfolio across the South Texas, El Paso, Houston, San Antonio, and DFW areas.
- Publish quarterly loan review reporting
- Oversight of CECL methodology and reporting
- Commercial construction project manager
- Monitor and manage portfolio diversification in line with bank policies
- Ensures department compliance with laws, regulations, policies, and procedures
- Develop policies & procedures for lending and credit risk management
- Oversight of non-performing retail and commercial loans
- Active member of Board of Directors, Director Loan Committee, Audit, Risk & Compliance Committee, & Culture Committee, Special Assets Committee
- Regulatory examination liaison
Credit Risk Officer & Credit Manager
Vantage Bank Texas
San Antonio, TX
01.2010 - 01.2014
- Assisted in management of $1 million in performing & nonperforming loans
- Publish problem asset reporting
- Provide feedback to credit analysts & relationship managers
- Attend meetings of the Board of Directors, Officer Loan, Directors Loan, Special Assets, and Credit Risk Committee
- Manage and develop a team of credit analysts
- Assist relationship managers to develop underwriting packages for approval
- Assist relationship managers in monitoring due lists, structure loans, & clearing exceptions
- Co-develop and manage the bank's internship program
- Work with senior management to develop sales calls philosophy
- Implement ALLL model
- Responsible for managing the bank's concentration risk and ALLL level
- Assist senior loan officer to establish lending policies and risk grading standards
- Manage past dues and overdrafts for San Antonio and South Texas regions
Credit Manager & Credit Risk Officer
Inter National Bank
01.2005 - 01.2010
Senior Credit Analyst/Team Leader
Lonestar National Bank
01.2002 - 01.2005
Education
Certificate (3-Year Program) -
Graduate School of Banking Louisiana State University
12.2010
BBA in Finance -
University of Texas RGV (UTPA)
12.2003
Texas Tech Banking School
Skills
- Team Leadership
- Fluent in Spanish and English
- Digital Banking
- State, Federal Reserve, and OCC banking regulations
- Project Management
- CECL
- Loan Review
Community Service
- Executive Leader for United Way RGV
- Board Member of Young Risk Management Association (San Antonio region)
- BISH Foundation Member (San Antonio)
- Fund & awareness raising for low income family via Children’s Haven International
Affiliations
- Executive Leader for United Way Rio Grande Valley
- Board Member of Young Risk Management Association (San Antonio region)
- BISH Foundation Member (San Antonio)
- Fund & awareness raising for low income family via Children’s Haven International
Timeline
Director of Loan Review and Credit Risk
Vantage Bank Texas
01.2014 - Current
Credit Risk Officer & Credit Manager
Vantage Bank Texas
01.2010 - 01.2014
Credit Manager & Credit Risk Officer
Inter National Bank
01.2005 - 01.2010
Senior Credit Analyst/Team Leader
Lonestar National Bank
01.2002 - 01.2005
Certificate (3-Year Program) -
Graduate School of Banking Louisiana State University
BBA in Finance -
University of Texas RGV (UTPA)
Texas Tech Banking School