Ryan Tillery

• Oversees daily operations and strategy for bank's credit and debit card programs, including provisional credits, fraud for commercial, small business, and consumer cards.
• Manage and develop card services teams through coaching, training, and performance management.

• Developed, implemented, and managed financial compliance programs for organization.
• Ensured adherence to relevant state and federal financial laws and regulations.

• Managed and monitored a portfolio of client credit exposures exceeding $2.5MM across various industries.
• Underwrote credit requests, encompassing new applications, renewals, and modifications.

• Coordinated with attorneys, appraisers, and loan officers to manage foreclosure sales bank-wide.
• Oversaw quarterly sales of substandard credits by coordinating original loan document retrieval.
• Managed booking of OREO properties, including insurance, utilities, taxes, and maintenance.

• Analyzed industry trends, leverage ratios, and EBIDA for detailed credit memos during loan renewals.
• Assessed risk ratings to ensure comprehensive evaluation of loan renewal processes.
• Executed accurate financial spreading for commercial accounts exceeding $10MM.

• Managed over 300 correspondent banking companies with capital ranging from $5 million to $2 billion across all 50 states.
• Underwrote complex financial statements for 300 correspondent banking companies, ensuring compliance with regulatory standards.

Managed relationships with business clients holding capital between $1 million and $5 million.

Originated all new loan documents, facilitating in-office customer signing.

Managed platoon of 42 enlisted Marines.

Assisted in the planning of large-scale government exercises and programs including budgeting, estimating/cost analysis, logistics, and management.