Scott LeBeau
Greenfield,WI
Summary
Experienced banking professional with a proven track record in effectively managing credit and loan operations. Optimizing the quality of lending portfolio by adhering to policies. Key player on the leadership team, responsible for stress testing initiatives, compliance audits, and cross-functional collaboration to drive strategic growth.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Business Consultant
ONE SOURCE DIRECT
11.2014 - Current
- Collaborating with business owners to understand their operations, including lead generation, marketing, budgeting, vendor relations, and expense control
- Meeting with representatives of Black, Indigenous, Latino, LGBTQ, Veteran, and Women-Owned business groups and associations to understand their unique needs and partnering with these groups to provide simplified access to resources
- Continuing to work with the development team to enhance the One Source Direct platform based on feedback from these meetings
- Actively promoting the One Source Direct brand identity across various social media platforms
Business Banking Portfolio Manager | Commercial Credit Risk Officer | Chief Credit Officer
CITIZENS BANK
06.2011 - 06.2023
- Managed teams responsible for credit, loan operations, and collections to support the bank's commercial and consumer loan products, policies, and procedures, ensuring the overall quality of the bank's lending portfolio
- Regularly completed loan file reviews, assessing credit presentations, ratio calculations, and loan file completeness to ensure adherence to policies and procedures
- Assisted in gathering required information, addressing issues, and responding to external loan audit findings, including regulatory examinations
- Worked with the credit team to review the quality of their credit presentations before submission to the Officer's Loan Committee or the Board of Directors
- Responsible for the bank's stress testing policy and procedures, presenting findings to the Board
- Custom-built a template for trend analysis and assessing the impact of results on income and capital
- Gathered customer financial information, conducted initial reviews, and collaborated with commercial credit to create credit presentations, presenting requests to relevant committees as needed
- Managed a portfolio of commercial clients, monitoring loan covenants, past due payments, insurance, property taxes, document exceptions, and originating renewals, modifications, and annual reviews
- Served as a key member of the bank's leadership team while participating in the Officer's Loan Committee (voting member), Classic Assets Committee (Secretary), Special Assets Committee (Chair), and the monthly Lenders Sales Meeting (Chair)
- Worked with cross-functional bank teams on various projects, including preparing the bank's annual Strategic Plan
- Conducted external loan reviews, covering credit, compliance, and loan file reviews for a community bank
- Collaborated with team members and departments to resolve audit exceptions and presented audit findings to senior management
Commercial Loan Underwriter IV
US Bank
01.2008 - 06.2011
- Responsible for analyzing and interpreting financial statements, collateral, and cash flows of small/mid-market commercial customers with lending relationships of up to $5,000,000
- Communicated verbally and in writing with commercial bankers, loan officers, credit managers, lending support staff, customers, and accountants to address concerns in the credit presentation
- Performing stress tests on commercial real estate loans
- Preparing written summary of loan terms and conditions and a written narrative explaining the business background, outlining risk factors, and justifying assigned risk rating
Education
BBA - ACCOUNTING
LAKELAND UNIVERSITY
Sheboygan, WI05.2007
BBA - Finance and Human Resource
UW-MILWAUKEE
Milwaukee, WI05.1987
Skills
- Financial statement interpretation
- Credit risk management
- Loan reviews
- Portfolio management
- Credit risk assessment
Certification
- Graduate School of Banking - UW Madison Certificate in Bank Management
- Center for Financial Training Certificates in Accounting, Commercial Lending, and Financial Statement Analysis
- Wisconsin Bankers Association Certificate in Commercial Lending
- Omega Performance Certificate in Commercial Lending
Timeline
Business Consultant
ONE SOURCE DIRECT
11.2014 - Current
Business Banking Portfolio Manager | Commercial Credit Risk Officer | Chief Credit Officer
CITIZENS BANK
06.2011 - 06.2023
Commercial Loan Underwriter IV
US Bank
01.2008 - 06.2011
- Graduate School of Banking - UW Madison Certificate in Bank Management
- Center for Financial Training Certificates in Accounting, Commercial Lending, and Financial Statement Analysis
- Wisconsin Bankers Association Certificate in Commercial Lending
- Omega Performance Certificate in Commercial Lending
BBA - ACCOUNTING
LAKELAND UNIVERSITY
BBA - Finance and Human Resource
UW-MILWAUKEE
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