Summary
Overview
Work History
Education
Skills
Timeline
Generic

Richard Pinckard

Wetumpka

Summary

Commercial lending professional with robust background in financial services, known for devising tailored loan solutions and fostering lasting client relationships. Offers keen focus on risk management and financial analysis, ensuring sound and compliant lending practices. Recognized for collaborative teamwork and adaptability in dynamic financial environments, driving successful outcomes through strategic planning and execution.

Overview

26
26
years of professional experience

Work History

Commercial Lender

Marion Community Bank
03.2025 - Current
  • Assessed client financial needs to recommend suitable lending products.
  • Collaborated with senior lenders to analyze loan applications and creditworthiness.
  • Prepared documentation for loan proposals and ensured compliance with regulations.
  • Gained proficiency in using financial modeling tools for risk assessment.

CFO

Homesouth, LLC
01.2024 - 02.2025
  • Developed financial models to support strategic planning and forecasting.
  • Analyzed financial data to identify trends and inform decision-making processes.
  • Assisted in the preparation of quarterly and annual financial reports for stakeholders.
  • Coordinated budgeting processes, ensuring alignment with organizational goals and objectives.

Commercial Lender

First Community Bank of Central AL
08.2011 - 01.2024

Commercial Lender / Special Assets Manager

AmSouth Bank / Regions Banks
03.2004 - 08.2011
  • Evaluated financial statements and credit reports to assess loan eligibility for commercial clients.
  • Developed tailored lending solutions aligned with client business objectives and financial capabilities.
  • Cultivated strong relationships with clients, resulting in increased trust and repeat business opportunities.
  • Analyzed market trends to identify potential risks and opportunities within commercial lending sector.

Credit Review Officer

Colonial Bank
03.2000 - 03.2004
  • Conducted comprehensive credit reviews to assess risk and compliance with internal policies.
  • Analyzed financial statements to evaluate borrower creditworthiness and repayment capacity.

Education

MBA -

Auburn University of Montgomery
Montgomery, AL
01-2002

BBA - Economics And Finance

Huntingdon College
Montgomery, AL
01-2001

Advanced High School -

Stanhope Elmore High School
Millbrook, AL
01-1996

Skills

  • Loan structuring
  • Credit analysis

Timeline

Commercial Lender

Marion Community Bank
03.2025 - Current

CFO

Homesouth, LLC
01.2024 - 02.2025

Commercial Lender

First Community Bank of Central AL
08.2011 - 01.2024

Commercial Lender / Special Assets Manager

AmSouth Bank / Regions Banks
03.2004 - 08.2011

Credit Review Officer

Colonial Bank
03.2000 - 03.2004

MBA -

Auburn University of Montgomery

BBA - Economics And Finance

Huntingdon College

Advanced High School -

Stanhope Elmore High School

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