Joe Denman
Flint
Summary
Dynamic VP - Commercial Loan Officer, with a proven track record in managing a $100MM plus loan portfolio, including class A self-storage, RV campgrounds / resorts, office, 1-4 family, multifamily, and select C&I loans. Expert in credit analysis and customer service, successfully sourcing new opportunities and enhancing client relationships. Recognized for cross-selling initiatives and maintaining portfolio compliance, driving business growth and quality relationships.
Overview
15
15
years of professional experience
Work History
VP, Commercial Loan Officer
American State Bank
07.2017 - Current
- Managed a $100MM plus loan portfolio, primarily CRE with select C&I relationships.
- Sourced new loan and deposit opportunities through community engagement, referrals, and outbound prospecting.
- Guided customers through loan applications and documentation, asking targeted questions to assess business performance, financial trends, and credit needs.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Assisted in underwriting loan requests, by preparing thorough credit memoranda and loan approval presentations for commercial credit requests.
- Presented credit requests to loan committee and answered questions regarding the borrower, loan terms, credit risk, and industry.
- Reviewed loan documents to ensure alignment with approved loan terms and credit authorization.
- Assisted with annual reviews by monitoring portfolio credit quality and ensuring ongoing compliance of loan covenants.
- Managed ongoing maturity tracking, past-due monitoring, repossession coordination, and collections follow-up to support timely resolution and risk mitigation.
- Supported ongoing loan exception reviews and resolution to ensure file completeness and policy compliance.
- Conducted ongoing site inspections of construction projects and operating businesses to verify collateral condition and support draw/advance compliance.
Consumer & Commercial Loan Officer
First Bank & Trust East Texas (acquired by Southside Bank)
10.2013 - 07.2017
- Supported senior lender/credit team with small business loan requests, including application intake, documentation, and credit file preparation.
- Processed consumer loan requests (vehicle, boat, equipment primarily), coordinating loan documentation and closing the loans.
- Assisted with problem credit monitoring and workouts, including renewals/modifications, and ongoing reviews.
- Expanded into business development and sourcing, supporting new opportunities in 1-4 family investment property, spec construction, and select C&I relationships.
- Assisted with underwriting support, exception tracking, and occasional loan committee presentations.
Credit Analyst
First Bank & Trust East Texas
10.2011 - 10.2013
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Gained experience with underwriting software and spreading tools such as Sageworks.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential credit risks.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Assisted senior lenders with monitoring and clearing of exceptions.
Sales Associate
Mattress Firm
06.2011 - 10.2011
- Helped customers locate products and checked store system for merchandise at other sites.
- Provided positive first impressions to welcome existing, new, and potential customers.
- Engaged with customers to build rapport and loyalty.
- Prepared merchandise for sales floor by pricing or tagging.
- Rotated stock and restocked shelves to maintain product availability and store appearance.
Education
Bachelor of Business Administration - General Business
Stephen F. Austin State University
Nacogdoches, TX05-2011
Skills
- Customer Service
- Team Player
- Credit analysis
- Proficiency in MS Excel / Word
- Cross selling and product promotion
- Analytical and Creative thinking
- Adaptability
- Reliability
- Document analysis
- Loan portfolio monitoring
Timeline
VP, Commercial Loan Officer
American State Bank
07.2017 - Current
Consumer & Commercial Loan Officer
First Bank & Trust East Texas (acquired by Southside Bank)
10.2013 - 07.2017
Credit Analyst
First Bank & Trust East Texas
10.2011 - 10.2013
Sales Associate
Mattress Firm
06.2011 - 10.2011
Bachelor of Business Administration - General Business
Stephen F. Austin State University