Mark Foxworth
Dallas
Summary
Strategic credit and risk management professional with a strong track record in underwriting, portfolio management, and policy compliance across consumer and commercial lending. Expertise in financial statement analysis, risk assessment, and deal structuring, ensuring alignment with credit policies and regulatory standards. Proven ability to optimize processes, strengthen internal controls, and implement credit systems, enhancing efficiency and accuracy in credit operations. Experienced leader and mentor, fostering high-performance teams through training and cross-functional collaboration. Committed to maintaining a sound credit portfolio and driving business growth through prudent risk management and strategic lending decisions.
Overview
18
18
years of professional experience
Work History
Senior Vice President, Credit Manager
Tolleson Private Bank
Dallas
03.2022 - Current
- Manage comprehensive underwriting process for complex consumer and commercial credit requests, ensuring alignment with risk appetite, credit policies, and regulatory requirements
- Facilitate training and guidance for credit analysts and portfolio managers in financial statement analysis, deal structuring, and credit policy compliance
- Developed new lending products contributing to the organizations growth strategy.
- Streamlined workflows and loan application processes creating efficiencies and improving cycle times.
- Improved underwriting quality on over $500 million in applications since 2022.
- Achieved an 60% reduction in Credit Exceptions.
- Identified additional lending and deposit opportunities with clients including several million in CRA organizations contributing to organizations goals.
- Analyzed financial statements, tax returns and other related documents in order to approve or deny customer requests for credit.
- Provided support and guidance to colleagues and committees to maintain a collaborative work environment.
Senior Small Business Underwriter III & Team Lead
Capital One
Plano
12.2017 - 03.2022
- Assessed and structured small business and commercial loans implementing risk assessment and mitigation strategies.
- Led and mentored junior underwriters, ensuring compliance with company standards and regulatory requirements.
- Collaborated with underwriting managers and credit officers to conduct portfolio reviews and provide strategic lending insights.
- Developed and refined underwriting templates and tools, improving efficiency and accuracy.
- Facilitated communication between clients, bankers, and stakeholders, overseeing financial data collection and portfolio management.
- Established an underwriting program for professional services, achieving a two-day SLA for loans up to $1 million
- Redesigned underwriting templates, reducing cycle times by 50%.
- Managed $100 million in annual reviews, ensuring thorough risk evaluation and portfolio management.
- Created a 180-page job aid for the loan origination system and led team training initiatives.
- Served as a subject matter expert in loan origination system implementation, optimizing workflows and tracking processes.
Vice President, Commercial Portfolio Manager & Underwriter III
BBVA Compass
Kilgore
08.2011 - 12.2017
- Managed a $500 million portfolio, conducting credit reviews and risk assessments under director of portfolio risk supervision
- Underwrote and structured transactions up to $5 million across retail, commercial, and wealth sectors
- Coordinated closely with clients and local relationship managers to secure loan approvals and manage portfolio effectively
- Held individual credit authority, the only one among a team of 10 underwriters, with approval limits up to $1M (awarded in 2014)
- Top producer from 2013 to 2017, underwriting an average of 20 applications per month including comprehensive credit analysis, deal structuring, credit risk ratings.
- Maintained policy exception rate at 10% or less, ensuring compliance and risk control
- Collaborated with clients and relationship managers, facilitating loan approvals and portfolio management
Credit Analyst
Citizens Bank
Humble
01.2010 - 08.2011
- Prepared periodic reports detailing overall portfolio performance and trends in delinquency rates.
- Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.
- Participated in credit committees to present analysis and recommendations on credit proposals.
- Conducted credit reviews on corporations to assess financial conditions.
- Assessed collateral values and ensured sufficient coverage for secured loans.
Teller
Citizens Bank
Kilgore
11.2006 - 01.2010
- Trained employees on cash drawer operation.
- Issued and redeemed money orders, cashier checks, traveler's checks and savings bonds.
- Met or exceeded sales goals by promoting bank products and services in customer interactions.
- Counted currency, coins and checks received to prepare for deposit or shipment to branch banks or Federal Reserve Bank.
Education
Master of Business Administration -
University of Texas
Tyler, TXBachelor of Business Administration - Finance (Summa Cum Laude)
University of Texas
Tyler, TXSMU Fintech Bootcamp -
SMU
Skills
- Credit Risk Assessment & Mitigation
- ALCO, Credit Committee, Risk Committee
- Revenue Growth & Business Strategy
- Underwriting & Portfolio Management
- Leadership & Team Development
- Client Engagement
- System Implementation
- Cross-functional Collaboration
- Commercial Real Estate and C&I Lending
- Consumer Lending
- Financial Analysis & Deal Structuring
- Process Optimization & Workflow Efficiency
- Audit Remediation
- Product Implementation
- Credit Policy & Procedures Optimization
Websites
Timeline
Senior Vice President, Credit Manager
Tolleson Private Bank
03.2022 - Current
Senior Small Business Underwriter III & Team Lead
Capital One
12.2017 - 03.2022
Vice President, Commercial Portfolio Manager & Underwriter III
BBVA Compass
08.2011 - 12.2017
Credit Analyst
Citizens Bank
01.2010 - 08.2011
Teller
Citizens Bank
11.2006 - 01.2010
Master of Business Administration -
University of Texas
Bachelor of Business Administration - Finance (Summa Cum Laude)
University of Texas
SMU Fintech Bootcamp -
SMU