Joshua Combs
First Southern Bank
Carterville,Illinois
21
years of professional experience
Results-driven V.P. Commercial Lender with expertise in loan structuring, credit analysis, and risk assessment. Proven ability to mentor junior lenders and streamline loan processing, enhancing operational efficiency.
Work History
V.P. Commercial Lender/Mortgage Sales Manager
12 Years 11 Months- Developed tailored financing solutions to meet diverse client needs.
- Cultivated strong relationships with clients, enhancing customer satisfaction and retention.
- Analyzed market trends to inform lending strategies and portfolio management.
- Evaluated loan applications to determine creditworthiness and risk factors.
- Led cross-functional teams in implementing new lending products, driving innovation.
- Mentored junior lenders on best practices for loan underwriting and client engagement.
- Streamlined loan processing procedures, improving turnaround times and operational efficiency.
- Ensured compliance with regulations and internal policies throughout lending operations.
- Provided excellent customer service by addressing client concerns promptly and professionally.
- Identified new business opportunities through market research and networking events, driving revenue growth for the institution.
- Reduced delinquency rates through proactive monitoring of borrowers'' financial performance and open communication.
- Negotiated favorable loan terms and conditions, ensuring mutually beneficial agreements between the bank and clients.
- Increased loan portfolio growth by developing and maintaining strong relationships with commercial clients.
- Participated in community outreach initiatives to promote awareness of available commercial lending services within the local market area.
Lender
7 Years 11 Months- Developed customized lending solutions to meet client financial needs
- Evaluated loan applications to determine creditworthiness and risk assessment
- Collaborated with cross-functional teams to streamline loan processing workflows
- Mentored junior lenders on compliance regulations and best practices
Education
Bachelor of Science - Management Information Systems
Skills
Loan structuring
Credit analysis
Risk assessment
Cash flow analysis
Portfolio management
Financial forecasting
Team development
Staff management
Decision-making
Multitasking
Timeline
V.P. Commercial Lender/Mortgage Sales Manager
First Southern Bank
10.2013 - CurrentRead More
Lender
Old National Bank
11.2005 - 10.2013Read More
SIUC
Bachelor of Science from Management Information Systems
Read More