Malcolm David Peacock
Cullman
Summary
Dynamic leader with extensive experience at BBVA Compass and PNC Bank, excelling in financial analysis and risk management. Achieved significant cost reductions through strategic planning and enhanced operational efficiency. Proven ability to mentor teams, fostering a culture of high performance and accountability while implementing innovative business strategies to drive revenue growth.
Overview
27
27
years of professional experience
Work History
Director of Small Business Underwriting
PNC Bank
10.2021 - Current
- Responsible for new originations including Conventional, SBA and Healthcare lending, and portfolio management of a $6.1B Small Business Portfolio.
- Leveraged professional networks and industry knowledge to strengthen client relationships.
- Spearheaded innovative approaches to resource allocation and strategic planning.
- Reduced budgetary expenditures by effective process improvements creating efficiency.
- Implemented business strategies while maintaining the Bank's risk appetite.
- Reduced operational risks while organizing data to forecast performance trends.
- Trained and guided team members to maintain high productivity and performance metrics.
Director of Credit Risk, Retail Lending
BBVA Compass
10.1998 - 10.2021
- Managed Consumer, Card, Indirect, Small Business lending for Retail and Commercial and Wealth Underwriting up to $7.5MM in Exposure.
- Highest credit signer in Retail Lending with $25MM in single signature lending authority.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Recognized across organization for diligence, accuracy and commitment to maintain the Risk of the Retail portfolio.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Collaborated with executive management to evaluate credit strategies and develop improvements.
- Reviewed and analyzed loan procedures.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
Education
Bachelor of Science - Business Administration
Auburn University
Auburn, ALSkills
- Financial analysis
- Business planning
- Legal and regulatory compliance
- Risk management
- People management
- Decision-making
- Operations management
- Process improvement
- Budget control
- Leadership development
- Problem-solving
- Budget management
Timeline
Director of Small Business Underwriting
PNC Bank
10.2021 - Current
Director of Credit Risk, Retail Lending
BBVA Compass
10.1998 - 10.2021
Bachelor of Science - Business Administration
Auburn University
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