Richard A. Wylie
Iowa Park,TX
Summary
To find a company and great team to grow with.
Experienced with assessing loan applications and determining creditworthiness. Utilizes comprehensive financial knowledge to guide clients through loan process. Strong understanding of regulatory compliance and risk assessment.
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Farmers Agent
2022.06 - 2025.04
- Property and casual license
- Health and life license
- Daily interactions with customers
- Excellent communication skills via in person or phone
Business Member Loan Officer
Union Square Credit Union, Wichita Falls, TX
2021.07 - 2022.06
- Quickly built a $5MM+ loan portfolio while learning a new lending process and managing portfolio exceptions
- Fielded existing customer calls coming into the credit union in a service-oriented fashion.
- Completed credit union lender training while also moving customers from my old portfolio.
- Built rapport with co-workers and management.
- Implemented Agricultural lending structure and practices to accommodate customers from previous experience with the new credit union lending policies.
Commercial Lender and Credit Analyst
First Capital Bank, Wichita Falls, TX
2014.05 - 2021.07
- Lending for consumer and commercial loans
- Investment/rental properties
- Rural land purchases and sales in Texas and Oklahoma
- Cow/calf operations
- LOC for AG customers
- Yearling cattle operators
- Managed and consistently grew and retained loan portfolio of approximately $10MM
- Managed all Bank repossessions and managed OREO properties for entire bank
- Managed past due credits and credit exceptions for entire bank
- Resource for bank employees to ask questions and guidance on compliance, policies, and other issues as they arose
- Represented myself within the community as a proud and loyal employee of the financial institution
- Analyzed credit packages using historical data to formulate credit decisions concurrent with loan policies.
- Created loan presentation narratives outlining DSCR, collateral, credit worthiness of guarantors, institution's policy for LTV, summary of the business itself and experience and background of guarantors
- Trained and managed all new Loan Processors and followed up to make sure that they were executing their role properly and in the most efficient manner
Credit Intern
American National Bank & Trust, Wichita Falls, TX
2014.01 - 2014.04
- Learned processes of handling past due credits and collections
- Worked closely with various commercial and consumer lenders to gain exposure to the job, determined what the bank looked for in deciding factors of credit worthiness and followed up with approval or denial process
General Manager
Performance Truck Tires
2007.09 - 2010.05
- Managed daily operations that included assessment of inventory and ordering necessary stock
- Managed all employees
- Managed payroll
- Managed production scheduling
Education
BBA - Finance
Midwestern State University
Wichita Falls, TX12.2014
Skills
- Credit analysis in both consumer and commercial loans
- Agricultural analysis of loans: Land and Cattle (all types)
- Global Cash Flow analysis/Multiple entities: Equipment/Real Estate/LOC's
- Active NMLS License
- Critical thinking/Intuitive
- Relationship building and management
- Documentation review
- Sales expertise
Certification
- Licensed Business Member Loan Office - 12 Months
- NMLS License is still active
- Credit Analyst - 7 Years
Self Employment And Noteworthy
I am a small business owner, real estate investor. I have also done farrier work, farm work, ranch work, owned a cow calf operation and performed live music in Wichita Falls and surrounding areas for the last 30 years. The farrier work allows me to be out in the elements and work with my hands. The music allows for a creative outlet for my singing, songwriting and playing guitar. While I can earn money with this work, they are more "passion projects". Before banking and a professional career was ever on my radar, I was unknowingly networking and building a brand and selling myself simply by meeting people of all walks of life and becoming a recognizable name in the community.
Timeline
Farmers Agent
2022.06 - 2025.04
Business Member Loan Officer
Union Square Credit Union, Wichita Falls, TX
2021.07 - 2022.06
Commercial Lender and Credit Analyst
First Capital Bank, Wichita Falls, TX
2014.05 - 2021.07
Credit Intern
American National Bank & Trust, Wichita Falls, TX
2014.01 - 2014.04
General Manager
Performance Truck Tires
2007.09 - 2010.05
BBA - Finance
Midwestern State University