Ryan McPeak
Eureka,MO
Summary
Knowledgeable financial professional experienced in assessing credit viability for high net worth borrowers with diverse assets. Excellent organizational and critical thinking skills. Offering 4 years of related experience in risk related role and 10 years of overall financial services experience
Overview
10
10
years of professional experience
Work History
Credit Officer - Custom Underwriting
Bank of America
01.2022 - Current
- Facilitate (underwrite) loans in the custom underwriting group for the bank's Global Wealth and Investment Management (GWIM) Line of business
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Dive deep into market economic conditions and perform risk management while extending credit products to varying clients and industries leveraging loans, debt and equity, and swap derivatives
- Lead the LIBOR transition project for the entire West Coast Custom Underwriting team
- Personally transitioned over 95% of all our LIBOR credits to BSBY or SOFR
- Oversees the Reg W compliance monitoring for all trades, transactions and reporting for a portfolio of $275 million
- Audited 40% of the teams deals for compliance issues and quality assurance.
Loan Documentation Analyst
Bank of America
01.2021 - 01.2022
- Collaborated with credit, external legal, and sales associates to create documents for complex and varying loans for credit seekers within GWIM Credit
- Engaged compliance management with all applicable regulations; Reg U, Reg B, Reg O, FCRA, TILA, RESPA
- Advised and coached other associates concerning business and trust provisions and loan structure in relation to documentation
- Exceeded a 1.45% defect rate and over 20 completed deals per month - accounting for over $100 Million in new loans and loan renewal transactions
- Working proficiency with GUS, EDR, Loan IQ, and Hot Doc's lending applications.
Operations Analyst - Vender Risk Management
Bank of America
01.2019 - 01.2021
- Effectively lead the cash inventory and operations of three major Bank of America cash vaults with active transactions totaling over $50 million per week
- Managed and coached third party vendors to ensure accuracy, mitigate risks, and comply with all regulatory requirements
- Optimized operational efficiency by analyzing and streamlining processes.
- Function as an active member of the Systems Testing Team, strengthening quality assurance for new systems an ongoing accordance of industry and line of business standards
- Decreased file, report, and system defects by approximately 52% for 3 major locations in one year.
Relationship Banker
Bank of America
01.2014 - 01.2019
- Managed the complex needs for relationships of a client book of over 250 and prospected to an area in the greater Saint Louis area of over 35,000
- Built strong knowledge of consumer lending regulations
- Boosted the location's close rate by 14% by applying outstanding negotiation and strong customer service skills
- Earned recognition as a five-time winner of the "Top Performer Award" for excelling in the region's top 3%.
Education
Bachelor of Science - Economics -
Oregon State University
Corvallis, ORMaster of Business Administration -
University of Southern Indiana
01.2024
Skills
- Portfolio management
- Real Estate underwriting
- Risk Management
- Financial statement analysis
- Auditing
- Accrual & cash flow accounting
- Financial corporate evaluation
- Control Management
- Collateral analysis
- Financial analysis and modeling
- Business Support
Websites
Timeline
Credit Officer - Custom Underwriting
Bank of America
01.2022 - Current
Loan Documentation Analyst
Bank of America
01.2021 - 01.2022
Operations Analyst - Vender Risk Management
Bank of America
01.2019 - 01.2021
Relationship Banker
Bank of America
01.2014 - 01.2019
Bachelor of Science - Economics -
Oregon State University
Master of Business Administration -
University of Southern Indiana
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