James F Eubank II
Houston,TX
Summary
Meticulous credit management professional. Collaborates well with other bank departments to keep operations running smoothly. Experienced at training and mentoring junior employees. Proficient financial professional well-versed in validating credit of borrowers. Excellent communication and problem-solving abilities. Bringing many years' experience in banking and related roles.
Overview
46
46
years of professional experience
Work History
Credit Officer
Stellar Bank
Houston, Texas
10.2022 - 06.2024
- Became senior credit officer and served on all loan committees after Allegiance merged with Community bank
Co Chief Credit Officer
Allegiance Bank
Houston, Texas
01.2015 - 10.2023
- Served as co chief credit office for Allegiance Bank from 10/18 to 10/22. Cochaired officer and director loan committee’s. Had maximum lending approval level up to requirement for committee approval.
- Oversaw credit risk assessment processes for loan applications and portfolio management.
- Led team of credit analysts in evaluating borrower creditworthiness and financial stability.
- Collaborated with senior management to align credit strategy with organizational goals.
- Monitored industry trends to adapt lending practices and maintain competitiveness.
- Provided training and mentorship to staff on credit evaluation techniques and tools.
- Reviewed and approved high-value loan requests to mitigate potential risks effectively.
- Monitored and evaluated the credit risk of customers on an ongoing basis to identify potential areas of concern.
Executive Vice President and Cofounder
Enterprise Bank
Houston, Texas
03.2001 - 12.2014
- Cofounder of a denovo and oversaw growth to 9 locations and approximately $700,000,000 in assets merged with Allegiance Bank in January of 2015. Board member of bank and holding company. Served on all loan committee’s and managed and assisted over 20 loan officers
- Oversaw financial operations, ensuring compliance with regulatory standards.
- Monitored business trend forecasts and adjusted budgets and operational plans to maximize growth and opportunities.
- Ensured compliance with all relevant government regulations and policies.
Chairman of the Board
Alvin State Bank
Alvin, Texas
01.1988 - 05.1998
- Acquired 85% ownership of Alvin State Bank in January of 1988. Bank was rated a 4 at time of my acquisition and increased to 2 rating . Sold bank in May of 1998
- Led strategic planning sessions to define long-term goals and vision.
- Oversaw board meetings, ensuring effective communication among members.
- Guided policy development to enhance governance and compliance standards.
- Reviewed financial reports to assess the bank's fiscal health and strategies.
- Advocated for innovative banking solutions to meet customer needs effectively.
- Monitored industry trends to identify potential risks or areas of opportunity for the company.
- Prepared agendas for board meetings, ensuring that all necessary materials were available for review.
- Leveraged trends in customer industries and marketplaces to shape solutions and approaches.
- Oversaw corrective action plans to remedy structural, organizational and departmental issues.
Chairman of the Board
Centurion National Group
Houston, Texas
01.1978 - 12.1986
- Family owned company initially owning 3 cemeteries and 2 funeral in Houston. Formed Centurion National Group in 1980. Subsequently acquired 47 funeral homes,cemeteries and flower shops located in 5 states. Sold this business to Service Corporation International in December of 1986
Education
High School Diploma -
Robert E Lee
Houston, TX05-1966
Some College (No Degree) -
Southern Methodist University
Dallas, TXSkills
- Solution structuring
- Financial statement review
- Portfolio monitoring
- Credit assessments
- Debt restructuring
- Loan underwriting
- Risk assessment
- Collateral risk
Timeline
Credit Officer
Stellar Bank
10.2022 - 06.2024
Co Chief Credit Officer
Allegiance Bank
01.2015 - 10.2023
Executive Vice President and Cofounder
Enterprise Bank
03.2001 - 12.2014
Chairman of the Board
Alvin State Bank
01.1988 - 05.1998
Chairman of the Board
Centurion National Group
01.1978 - 12.1986
High School Diploma -
Robert E Lee
Some College (No Degree) -
Southern Methodist University