TAMMY C. TROSCLAIR, CRC, CTP
San Antonio,TX
Summary
Strategic and data driven Senior Commercial Credit Leader with over 15 years of experience leading credit risk strategy, underwriting, and portfolio management for commercial and industrial (C&I), CRE, equipment finance, and specialty banking loan portfolios. Clear communicator, practical problem-solver with proven success in strengthening credit cultures, optimizing risk-adjusted returns, reducing portfolio losses, and partnering with executive leadership to drive sustainable growth. Recognized for balancing prudent risk management with business development, team implementation of specialty lines, underwriting expertise, team empowerment advocacy, and continuous improvement of policies, processes and self.
Overview
14
14
years of professional experience
1
1
Certification
Work History
SVP, Sr. Commercial Portfolio Manager, Team Lead
United Community Bank
Huntsville, AL
04.2025 - Current
- Recruits, hires, develops, leads, and motivates north Alabama underwriting and portfolio management team
- Trains and mentors statewide commercial underwriters, portfolio managers, and new or junior lenders
- Balances soundness, profitability, and growth as a steward of $5 million in direct approval authority
- Coordinates credit approval process and underwriting assignments for statewide workflow pipeline
- Manages $325 million commercial loan portfolio and underwrites complex new originations
- Reviews portfolio specialists’ work for consistency with industry standards and internal guidelines
- Timely informs statewide team of emerging risks, current market conditions, best practices, and policy changes
- Liaises with centralized treasury management team to sell and deepen existing treasury management relationships and grow deposits
- Spearheads efficiency initiative aligning deal team and closing responsibilities with internal processes
- Recommends structure and approval decisions on Special Committee for Criticized and Classified Loans
- Refines renewable energy and restaurant franchise finance credit policies and procedures
- Implemented dynamic credit rating system improving transparency, and ultimately, risk-adjusted returns
- Reduced past due loans from 2.1% to 1.4% since hire date amidst extreme management and personnel turnover
- Reduced financial reporting and covenant exceptions from top 5 bank-wide market position to lower quartile
- Reviews and negotiates complex legal issues with internal and external counsel on complex credit facilities, including leveraged finance transactions
- Seeking new opportunities due to high management turnover immediately following hire date and pending relocation.
Banking Consultant, Founder
Silver Beacon Consulting
Remote
01.2018 - Current
- Short-term contracting with financial institutions and finance companies to perform credit underwriting and training; merger & acquisition due diligence; independent examination of the ongoing creditworthiness of the banks’ borrowers
- Evaluates activities of lending personnel as it pertains to underwriting quality, accuracy of risk rating assigned, adequacy and accuracy of loan documentation and collateral perfection, early detection of problem loans, adherence to internal credit policies and regulatory guidelines
- Assesses functionality of internal document and covenant tracking system and identifies weaknesses in credit administration
- Prepares written reports summarizing findings and recommendations including time frames for corrective action
SVP, Sr. Commercial Relationship Manager
TBK Bank, SSB (Triumph Financial)
Dallas, TX
05.2024 - 04.2025
- Grew commercial loan portfolio by $4 million and deposit portfolio by $17.3 million
- Oversaw servicing of commercial loan portfolio and adherence to regulatory requirements
- Created deposit opening and treasury management workflow process
- Reviewed existing loan files to identify and remedy all credit file, loan documentation, and collateral perfection deficiencies ensuring standards align with regulatory standards
- Consulted with Senior Management to create and implement Small Business Loan Accelerator and Grant program in collaboration with a CDFI to remedy internal CRA deficiencies
- Resigned as a banker due to poor culture fit as Company made a hard pivot to fintech. Continued as consultant.
VP, Credit Risk Underwriting Executive
J.P. Morgan Chase
Plano, TX
04.2022 - 05.2024
- Advisory Board Lead for Plano, Columbus & Bengaluru Underwriting Centers
- Completed initial screening and analysis of historical and projected financial statements, industry and collateral for new commercial loan requests of up to $10 million with joint underwriter approval authority
- Prepared instructional guides & best practice presentations
- Tracked portfolio, covenant, and borrowing base trends for assigned region
- Conducted internal risk rating assessments; proposed loan and covenant structures along with risk mitigation strategies to proactively address adverse trends
- Special Assets Reserve Member – collaborated with Special Assets to exit, liquidate, and restructure or work-out problem credits
- Coached junior underwriters and bankers
VP, Credit Analyst Manager
Arvest Bank
Oklahoma City, OK
01.2019 - 12.2019
- Managed, prioritized, and directed all credit requests
- Fostered a collaborative relationship with relationship managers to best serve clients and bank stakeholders
- Reviewed credit analysts’ work for consistency with industry standards and internal guidelines
- Consulted with management to assist in strategic planning activities for improved performance for areas of responsibility
- Served as resource to all markets to field credit and financial statement questions
- Directed associate training to improve efficiency and ensure conformance with standard procedures and practices
- Prepared loan compliance technical exception, borrowing base, and financial covenant reports
- Provided direct supervision and leadership to credit analysts including hiring, evaluations, and performance improvement initiatives
VP, Credit Manager
Evolve Commercial Finance
Memphis, TN
01.2017 - 12.2019
- Created processes and procedures and co-drafted credit policy for start-up equipment finance line of business
- Performed initial risk assessment and recommended credit structure
- Decisioned credit requests within my delegated lending authority for equipment finance, commercial, SBA, and physicians’ capital lines of business
- Presented approval recommendation to loan committee and served as Chief Credit Officer’s proxy
- Supported Chief Credit Officer with monthly line of business, concentration, and loan loss reserve reports and CECL readiness
- Guided operations team during document preparation, closing, and booking processes
- Managed vendor relationships and vendor selection projects
- Oversaw servicing of commercial loan portfolio and adherence to regulatory requirements
VP, Regional Corporate Banking Sr. Portfolio Manager
First Horizon Corporation
Memphis, TN
01.2012 - 12.2017
- Awarded Diamond Circle recognition for exemplary performance, in March 2017 and March 2015
- Pre-acquisition due diligence working group team member for purchase of $750MM+ portfolios and designated ambassador to newly created specialty line of business team
- Decisioned credit requests under $5 million of direct lending authority
- Bank-designated Subject Matter Expert of bank-wide Restaurant Franchise Finance prior to line creation
- Recommended system and process enhancements as part of pilot program for new seamless credit fronting platform
- Expanded diverse portfolio of direct and syndicated corporate C and I relationships (average exposure of $10 million) from $250 million to $425 million, along with extensive treasury portfolio
- Deepened existing relationships with treasury, card, derivative, foreign exchange, and merchant processing products
- Partnered with external parties, including borrower management, other lenders, financial advisors, turnaround specialists, and valuation groups
- Reviewed and negotiated complex legal issues with internal and external counsel on highly structured credit facilities including leveraged finance transactions
- Owned due diligence, underwriting, credit policy exception identification, risk grading, structuring, negotiation, closing, and exception management processes
- Detected emerging performance trends to anticipate client needs and manage risk
- Targeted viable prospects in key markets and industries
- Supervised work of credit analyst under my leadership
- Oversaw servicing of commercial loan portfolio and adherence to regulatory requirements
Education
Banking & Leadership Professional Certificate -
Stonier Graduate School of Banking
Philadelphia, PA06-2027
Bachelor of Science - Finance
Louisiana Tech University
Ruston, LAMaster of Business Administration -
Louisiana Tech University
Ruston, LASkills
- C and I Lending
- Commercial Real Estate Lending (all types)
- Private Banking
- Middle-Market Lending
- Project Finance
- Credit Analysis and Loan Structuring
- Underwriting
- Cash Flow Analysis
- Financial Analysis
- GAAP Accounting
- Financial Spreading Software
- NCINO
- Capital Stream
- Tableau
- Credit Lens
- Large Language Models
- Financial Projection Modeling
- Sensitivity Analysis
- Excel
- Team Empowerment
- Inclusion
- Credit Monitoring
- Portfolio Administration
- Credit Policy Development
- Credit Policy Maintenance
- Problem Loan Workout
- Complex Loan Closing
- Complex Legal Documentation
- Time Management
- Project Management
- Workflow Optimization
- Process Optimization
- Deal Team System Optimization
- Decisive Leadership
- Community Advocacy
- Loan Review
- Cross-Functional Relationship Management
- Lean Principles
- Regulatory Compliance
Certification
• The Risk Management Association - Credit Risk Certification
• The Association for Financial Professionals - Certified Treasury Professional
• The Risk Management Association - Lending to Medical & Dental Practices
• The Certified Lease & Finance Professional - Bootcamp
• The Association for Financial Professionals - FP&A Bootcamp
• The Risk Management Association - Detecting Problem Loans
• Corporate Finance Institute - Solar & Renewable Energy Financial Modeling
• The Risk Management Association - Valuation for Middle Market Companies
• First Horizon Corp - Diamond Circle Award for Exemplary Performance, 03/01/17
• First Horizon Corp - Diamond Circle Award for Exemplary Performance, 03/01/15
• The Association for Financial Professionals - Certified Treasury Professional
• The Risk Management Association - Lending to Medical & Dental Practices
• The Certified Lease & Finance Professional - Bootcamp
• The Association for Financial Professionals - FP&A Bootcamp
• The Risk Management Association - Detecting Problem Loans
• Corporate Finance Institute - Solar & Renewable Energy Financial Modeling
• The Risk Management Association - Valuation for Middle Market Companies
• First Horizon Corp - Diamond Circle Award for Exemplary Performance, 03/01/17
• First Horizon Corp - Diamond Circle Award for Exemplary Performance, 03/01/15
Volunteer Experience
- Board Member, North Texas Chapter, The Risk Management Association, 04/01/24, 04/30/25
- Graduate, Leadership Women Texas, Class of 2024
- Mentor to High School Seniors, Tennessee Achieves, 01/01/17, 04/30/21
Timeline
SVP, Sr. Commercial Portfolio Manager, Team Lead
United Community Bank
04.2025 - Current
SVP, Sr. Commercial Relationship Manager
TBK Bank, SSB (Triumph Financial)
05.2024 - 04.2025
VP, Credit Risk Underwriting Executive
J.P. Morgan Chase
04.2022 - 05.2024
VP, Credit Analyst Manager
Arvest Bank
01.2019 - 12.2019
Banking Consultant, Founder
Silver Beacon Consulting
01.2018 - Current
VP, Credit Manager
Evolve Commercial Finance
01.2017 - 12.2019
VP, Regional Corporate Banking Sr. Portfolio Manager
First Horizon Corporation
01.2012 - 12.2017
Banking & Leadership Professional Certificate -
Stonier Graduate School of Banking
Bachelor of Science - Finance
Louisiana Tech University
Master of Business Administration -
Louisiana Tech University