Kyle Million
Sherman
Summary
Seasoned banking and credit professional with extensive experience in commercial lending and credit underwriting. Adept at managing complex credit relationships and improving portfolio growth while ensuring high credit quality. Proven capability in strategic oversight and compliance, complemented by strong analytical and leadership skills.
Overview
12
12
years of professional experience
Work History
SVP – Regional Credit Officer
First United Bank & Trust Co.
Durant
04.2024 - Current
- Member of Oklahoma Credit Committee Charter providing governance and approval for complex, high-exposure commercial credits exceeding $5MM with legal lending authority up to $240MM.
- Member of Enterprise Credit Committee responsible for strategic oversight of loan and deposit portfolios, including forecast modeling, portfolio composition, regulatory ratios, and internal credit policies.
- Manage asset quality across an approximately $1Bn regional portfolio, including oversight of problem credits and loss mitigation recommendations.
- Member of Special Assets Credit Committee focused on risk identification, credit deterioration monitoring, and loss mitigation strategies across criticized and classified assets.
- Work directly with the Chief Credit & Risk Officer and Senior Credit Officers to define and communicate the bank’s credit risk appetite.
- Provide strategic credit support to the Southeastern Oklahoma Regional President and Chief Credit & Risk Officer.
- Maintain $5MM individual lending authority to assist lenders with proper credit structuring and approvals throughout the Southeastern Oklahoma region.
- Lead and assign workflow for a six-member credit analyst team, ensuring timely and accurate delivery of comprehensive credit packages.
VP – Commercial Lender
First United Bank & Trust Co.
Durant
07.2022 - 04.2024
- Worked within a centralized Commercial Center of Excellence (COE) group that produced:
- Over $130MM in 2022
- Over $130MM in new loan production in 2021
- Over $84MM in 2023
- Managed commercial portfolio exceeding $130MM within four-lender COE team overseeing combined portfolio of over $350MM.
- Maintained exceptional portfolio performance with personal past due ratio below 0.09% and collective COE ratio below 0.24%, ensuring risk mitigation.
- Originated, analyzed, structured, and underwrote commercial loan transactions across diverse industries and relationship types.
- Managed existing client relationships and developed new business opportunities, contributing to overall portfolio growth.
- Evaluated and approved loan requests in accordance with bank policies and regulatory standards.
AVP – Commercial Lender
First United Bank & Trust Co.
Durant
06.2021 - 07.2022
- Facilitated commercial lending operations by originating loans, underwriting, managing portfolios, and developing client relationships to enhance service delivery.
- Structured commercial credit facilities to align with borrower financial needs and risk tolerance, ensuring tailored solutions.
AVP – Credit Analyst III / Regional Asset Quality Manager
First United Bank & Trust Co.
Durant
01.2019 - 06.2021
- Underwrote complex commercial relationships including bank stock loans, Regulation O credits, and diverse C&I/CRE transactions exceeding $3MM.
- Underwrote complex commercial relationships including bank stock loans, Regulation O credits, and diverse C&I/CRE transactions exceeding $3MM.
- Managed past due and classified asset pipelines, including TDRs, repossessions, foreclosures, and collection efforts.
- Monitored regional commercial loan origination pipelines while coordinating with lenders, analysts, customers, and approving officers.
- Worked closely with lenders on deal structuring, term sheets, commitment letters, and borrower financial analysis.
- Managed past due and classified asset pipelines, including TDRs, repossessions, foreclosures, and collection efforts.
- Provided weekly and monthly reporting updates for Special Assets and Loan Review Committees to facilitate informed decision-making.
- Oversaw monitoring of regional portfolios exceeding $550MM in commercial exposure.
Credit Analyst I / Regional Asset Quality Manager
First United Bank & Trust Co.
Durant
04.2018 - 01.2019
- Transitioned into leadership and asset quality management roles while providing advanced underwriting support.
Credit Analyst I
First United Bank & Trust Co.
Durant
01.2016 - 04.2018
- Analyzed financial, credit bureau, and borrower data for new, renewal, and existing commercial loans.
- Prepared credit memorandums, financial spreads, reports, and risk assessments to support lending decisions.
- Recommended loan structures and risk mitigation strategies to align with bank credit policy and minimize risk.
- Maintained borrower financial files and monitored account activity to identify and address potential credit concerns.
- Provided technical support and underwriting assistance to loan officers.
- Performed commercial credit inquiries and ongoing portfolio monitoring.
BO – Management Trainee
First United Bank & Trust Co.
Durant
06.2014 - 12.2015
- Completed rotational training across multiple bank departments, gaining insights into diverse banking operations.
- Supported operational improvement projects within credit, finance, and special assets divisions, contributing to enhanced service delivery.
- Assisted with workflow optimization initiatives and cross-functional departmental support, streamlining processes for greater collaboration.
Education
Southern Methodist University — Southwestern Graduate School of Banking -
Southern Methodist University
05-2026
Southern Methodist University — ABA Commercial Lending School -
Southern Methodist University
05-2019
Bachelor of Science - Business Finance
Southeastern Oklahoma State University
05-2018
Business Management - Business Finance, Human Resource Management
Oklahoma State University
05-2014
Skills
- Commercial lending
- C&I lending
- Commercial real estate (CRE)
- Credit analysis
- Loan structuring
- Loan resolution
- Risk management
- Credit governance
- Regulatory compliance
- Asset quality oversight
- Financial analysis
- CECL analysis
- Financial ratios and metrics
- Financial analytics
- Advanced Excel skills
- Advanced Power BI skills
- Team leadership
- Relationship management
- Written communication skills
Technical And Professional Strengths
- Strong financial analytical abilities with extensive knowledge of financial ratios and credit metrics.
- Ability to structure and underwrite large and complex commercial lending relationships.
- Exceptional written communication skills for preparation of detailed credit memorandums and financial analysis.
- Demonstrated initiative, judgment, and self-motivation with minimal supervision.
- Resourceful problem solver focused on operational efficiency and process improvement.
- Outstanding interpersonal and leadership skills with proven ability to mentor and develop underwriting talent.
Timeline
SVP – Regional Credit Officer
First United Bank & Trust Co.
04.2024 - Current
VP – Commercial Lender
First United Bank & Trust Co.
07.2022 - 04.2024
AVP – Commercial Lender
First United Bank & Trust Co.
06.2021 - 07.2022
AVP – Credit Analyst III / Regional Asset Quality Manager
First United Bank & Trust Co.
01.2019 - 06.2021
Credit Analyst I / Regional Asset Quality Manager
First United Bank & Trust Co.
04.2018 - 01.2019
Credit Analyst I
First United Bank & Trust Co.
01.2016 - 04.2018
BO – Management Trainee
First United Bank & Trust Co.
06.2014 - 12.2015
Southern Methodist University — Southwestern Graduate School of Banking -
Southern Methodist University
Southern Methodist University — ABA Commercial Lending School -
Southern Methodist University
Bachelor of Science - Business Finance
Southeastern Oklahoma State University
Business Management - Business Finance, Human Resource Management
Oklahoma State University