Rory Wise

• Creating financial spreads and covenant testing workbooks for all credits within the special assets department (aka SAD).
• Completing covenant testing in accordance with loan documents/and or forbearance agreements.
• Creating credit memos for credit actions such as forbearance agreements/and or loan modifications for credits in special assets.
• Completing collateral analysis to determine LTV and overall collateral position to help determine treatment strategy of credits.
• Assessing and assigning credit risk ratings to all credits within special assets based on policy guidelines and input/direction from credit officers within Special Assets.
• Participating in negotiations and discussions with borrowers. This includes meeting with borrowers in person for introductory meetings when credits are transferred to special assets, forbearance discussions, and ongoing status updates done with the borrower.
• Participating in strategy discussions with relationship managers and legal counsel.
• Utilizing software such as Jack Henry, nCino, and microsoft office.
• Managing and helping clear credit exceptions within SAD.
• Consulting with relationship managers in SAD to determine loan treatment strategy. Examples; requesting principal curtailments or setting covenants based off analysis completed on the credit.
• Working directly with SAD director and administrative assistants to create financial templates and department policy documents. Examples i have worked on;

- Consulting on underwriting guidelines for SAD policy.

- Creating a SAD covenant definition list and accompanying template workbook.

- Creating a cashflow analysis template in excel.

• Providing financial analysis to line of business on credits SAD has recently transferred back to the line of business.
• Assessing credit status as FDM/TDR (financial difficulty modification/troubled debt restructure) and providing status updates of credit to quantitative analysts monthly.
• Filling out PLR forms, participating in PLR meetings, and presenting credits in our quarterly PLR meetings (problem loan report). These are quarterly meetings to assess the status of all troubled loans within the bank. The PLR form is completed on all credits in this meeting and acts as a summary sheet of the credit for senior credit officers in the bank to review and reference during the meeting.
• Manage relationship managers portfolios while they're out of office. This includes communicating key points from the bank to the borrower, receiving documents from the borrower, and participating in meetings with the borrower to provide notes for the relationship manager when they're back in the office.
• Acting as the only underwriter/portfolio manager in our special assets department which handles well in excess of $100 million in loan exposure a year.
• Maintained up-to-date knowledge of industry trends and regulatory changes, ensuring compliance while optimizing business practices.
• Effectively managed a diverse portfolio of clients, balancing workload priorities to meet tight deadlines without sacrificing quality.
• Participated in ongoing professional development opportunities to remain current on best practices within the commercial underwriting field.

• Contacting borrowers associated with all past due small business credits within the bank that were in excess of 20 days past due.
• Handling all questions within the bank regarding past due small business credits.
• Issuing default letters and attorney demand letters to past due borrowers and guarantors.
• Setting up payment plans with past due small business borrowers.
• Filling out annual 1099-c reporting.
• Upgrading and downgrading credits weekly based on bank policy.
• Helped establish the small business credit rating guides in 2020 that the bank still utilizes for that position today.
• Handled loan modifications, payment deferrals, and credit liquidations (foreclosure, lawsuits against borrower/guarantor, and payoff negotiations both internally and with credits referred to third party collector).
• Completed charge-off forms for credits
• Referred charged-off credits to third party collections and monitored progress.
• Worked with line of business relationship managers to contact past due borrowers and consult on workouts/renewals/modifications.
• Called all loans in excess of 20 days past due every week and provided commentary for each on the small business delinquency report.
• Presented this report weekly to credit officers and small business lenders on weekly calls.
• Filled out charge-off forms and presented charged off credits in monthly charge off meetings.
• Filled out Problem Loan Reports and presented these credits in bi-annual PLR meetings.
• Developed strong relationships with clients, fostering trust and facilitating successful account resolutions.
• Maintained accurate records of all collection activities, ensuring compliance with industry standards and regulations.
• Persistently reached out to customers with extremely past due accounts to recover lost revenue.
• Evaluated, researched and resolved discrepancies.
• Provided excellent customer service during difficult conversations, defusing tensions while effectively collecting payments.
• Consistently met or exceeded individual performance metrics while contributing to team goals as a reliable team player. Consistently kept the delinquency percentage under .50% for my last year in the role reaching as low as .12%.
• Negotiated settlements in a timely manner, reducing the number of long-term delinquent accounts.
• Used probing techniques to determine debtors' reasons for delinquency.
• Researched billing errors and discrepancies to initiate corrective action.
• Used skip tracing and other techniques to locate debtors.

• Contacted and collected payments from retail borrowers past due in excess of their grace period for home equity loans, 1st and 2nd mortgage term notes, automobile loans, and unsecured lines of credit/term notes. Also collected on credit cards.
• Managed monthly queue of past due borrowers.
• Completed deferrals/modifications for eligible past due borrowers.
• Worked to hit monthly call goals and collection goals each month.
• Worked to negotiate settlement offers in accordance to bank policy and at direction of department managers.
• Worked in call center environment handling manual and automatically dialed outbound calls.
• Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
• Maintained compliance with state and federal regulations during all collections activities, ensuring ethical business practices.
• Boosted overall collection efforts through building strong relationships with clients that fostered trust and open communication lines.
• Maintained high volume of calls and met demands of busy and productive group.
• Reduced delinquency rates by implementing effective collection strategies and maintaining consistent follow-up procedures.
• Contributed to a positive work environment by providing support, guidance, and expertise to junior team members as they navigated complex collections situations.
• Researched accounts and completed due diligence to resolve collection problems.
• Counseled debtors on payment options and arranged installment agreements.
• Used skip tracing and other techniques to locate debtors.