Summary
Overview
Work History
Education
Skills
Timeline
Generic

Robert Hamilton

Gulfport,MS

Summary

Highly driven Credit Administrator with 11 years of experience in C&I, Real Estate, SBA lending, and 5 years of management experience. Specialize in risk management, financial analysis, and portfolio management to ensure decisions protect the safety and soundness of the bank. Excel in communication, critical thinking, and decision making to manage complex financial environments successfully.

Overview

11
11
years of professional experience

Work History

Associate Credit Officer

BNC National Bank
Bismarck, ND
11.2023 - Current
  • Senior Credit Administrator at the bank with individual lending authority of up to $1 million for new money requests and annual loan reviews. Up to $2.5 million signing authority for loan modification requests.
  • Assist the Chief Credit Officer with reviewing new loan requests and loan reviews from North Dakota and Arizona markets, ranging in size from $1 million to $60 million to present to Executive Credit Committee, prepare special projects assigned by the Board of Directors, prepare for internal and regulatory audits, and preparing the CECL model quarterly.
  • Responsible for managing the bank's $1B asset portfolio by preparing monthly Board Reports outlining changes in net loan outstandings, past-due loans, non-accrual loans, and industry concentrations.
  • Manage and work with the Arizona underwriting team of four commercial credit analysts assigning and managing their workflows.

Vice President, Small Business Credit Officer III

TD Bank
Mount Laurel, NJ
01.2022 - 11.2023
  • Final decision individual lending authority of up to $1 million for small business loan applications, while following sound lending practices, policies, and procedures.
  • Worked on the New Money team focusing on C&I, Real Estate, SBA,
    Non-Profit, and HOA loan products for loan sizes between
    $250,000-$1,000,000.
  • Ensure new loan requests are in compliance with established bank
    lending guidelines with enhanced due diligence review of historical
    business and personal financial statements/tax returns, application data,
    business/personal credit reports, and business/personal cash flow
    analysis.
  • Presented new loan requests for approval that required elevated
    signature from Manager or Senior Manager.

AVP, Business Banking | Credit Analyst Manager

BNC National Bank
Glendale, AZ
01.2020 - 12.2022
  • Managed and worked with a team of four (4) credit analysts, assisting
    with analyst training in financial analysis, bank policies, and SBA SOP.
    Responsible for assigning and managing analysts workflows.
  • Maintained credit analyst duties with performing new C&I, Real Estate,
    and SBA loan underwriting; along with completing annual loan reviews,
    problem loan reports, and financial spreads.
  • Reviewed new SBA loan requests at the bank to ensure loans were compliant with SBA SOP.
  • Periodically performed Post-Close Loan Audits checking for
    completeness of loan documentation in accordance with bank policies.

Credit Analyst II | Credit Analyst Manager

BNC National Bank
Glendale, AZ
09.2017 - 12.2019
  • Manage and work with a team of three (3) credit analysts, assisting with
    analyst training in financial analysis, bank policies, and SBA SOP.
    Responsible for assigning and managing analysts workflows.
  • Maintained credit analyst duties with performing new C&I, Real Estate,
    and SBA loan underwriting; along with performing annual loan reviews,
    problem loan reports, and financial spreads.

Credit Analyst II

BNC National Bank
Glendale, AZ
09.2015 - 08.2017
  • Performed credit analyst duties such as new C&I, Real Estate, and SBA
    loan underwriting, annual loan reviews, problem loan reports, and
    financial spreads.

Credit Analyst I

BNC National Bank
Glendale, AZ
06.2014 - 09.2015
  • Spread financial statements, analyze financial statements, tax returns,
    perform cash flow analysis, and assist in the preparation of credit
    displays, annual loan reviews, and problem loan reports.

Education

Bachelor of Science - Business Administration

University of Redlands
Redlands, CA
04-2014

Skills

  • Credit Analysis
  • Credit Administration
  • Financial Statement Analysis
  • Regulatory Compliance
  • Portfolio Management
  • Cash Flow Analysis

Timeline

Associate Credit Officer

BNC National Bank
11.2023 - Current

Vice President, Small Business Credit Officer III

TD Bank
01.2022 - 11.2023

AVP, Business Banking | Credit Analyst Manager

BNC National Bank
01.2020 - 12.2022

Credit Analyst II | Credit Analyst Manager

BNC National Bank
09.2017 - 12.2019

Credit Analyst II

BNC National Bank
09.2015 - 08.2017

Credit Analyst I

BNC National Bank
06.2014 - 09.2015

Bachelor of Science - Business Administration

University of Redlands

Similar Profiles

CREATE PROFILE
Robert Hamilton