Thomas Kentner
Plainfield,IL
Summary
Accomplished financial professional with 15+ years of experience in commercial lending, credit analysis, and portfolio management seeking Director of Finance position. Utilizes extensive expertise in financial strategy, risk management, and team leadership to drive organizational success, foster growth, and contribute to long-term economic development. Strong passion for optimizing financial performance and cultivating robust partnerships to achieve business objectives.
Overview
18
18
years of professional experience
Work History
Vice President of Commercial Lending
Heartland Bank and Trust
07.2015 - Current
- Grew and managed a $95 million loan portfolio, providing financial solutions to support business growth and community development
- Structured complex commercial loan packages, including real estate, equipment financing, and working capital loans tailored to meet client needs
- Helped commercial lending team, recommending loan structuring, risk assessment, and compliance with regulatory standards
- Collaborate with local businesses and community organizations to drive economic development initiatives
- Provided mentorship and guidance to junior loan officers and portfolio managers, fostering professional development and knowledge sharing
- Monitored market trends and economic conditions to anticipate client needs and adjust lending strategies accordingly
- Reviewed loan documents for accuracy prior to closing all commercial loans
Assistant Vice President
Heartland Bank and Trust
02.2012 - 06.2015
- Managed a diversified $30 million loan portfolio, ensuring portfolio growth and stability
- Proactively developed new business opportunities across the bank’s surrounding geographical areas
- Maintained and strengthened client relationships acquired from a merged financial institution
- Conducted detailed financial analysis, assessed creditworthiness, and structured customized loan solutions to meet client needs
Commercial Banking Officer
Heartland Bank and Trust
08.2011 - 01.2012
- Built and nurtured strong client relationship, resulting in a $20 million loan portfolio
- Actively networked within the local community to identify and capitalize on growth opportunities
- Ensured portfolio quality by minimizing loan delinquencies, documentation exceptions, and overdrafts
- Collaborated with senior leadership to align portfolio management with strategic organizational objectives
Commercial Banking Officer
Bank of Shorewood
06.2009 - 08.2011
- Managed a $20 million loan portfolio while delivering exceptional customer service
- Cultivated and maintained strong client relationships to promote retention and satisfaction
- Acquired expertise in and successfully implemented the SBA A.R.C
- Loan Program to support business clients
- Establish and oversaw the Remote Deposit Capture process for clients, enhancing operational efficiency
- Automated and customized BIC reports to streamline reporting processes
- Advanced professional development through ongoing education, seminars, and training programs
- Supported branch operations by managing opening and closing procedures for various locations
Credit Analyst
Bank of Shorewood
06.2007 - 06.2009
- Analyzed personal and business financial statements to evaluate debt repayment capacity and creditworthiness of prospective and existing borrowers
- Developed strong analytical skills working punctually to ensure commercial loan presentations were complete and accurate
- Produced monthly portfolio summary reports i.e., ALLL, Concentrations of Credit, Watch List, Plan for Reduction of Delinquent and Classified Assets, Large Borrower Report, Vacant Land and Construction Table, and Charge Off Report which were presented to the Board of Directors
- Managerial cross training in other departments including retail, operations, and administration
Education
Master of Business Administration -
Northern Illinois University
DeKalb, IL05.2015
Bachelor of Science - Finance
Northern Illinois University
DeKalb, IL05.2007
Skills
- Commercial Lending & Underwriting
- Credit Analysis & Risk Management
- Portfolio Management
- Financial Analysis
- Strategic Planning & Business Development
- Leadership & Community Engagement
- Regulatory Compliance
- Relationship building
- Decision-making
- Critical thinking
References
Available upon request
Leadership and Community Involvement
- Board Member/Finance Committee, Will County Center of Economic Development
- Board Member/Finance Committee/Treasurer, Will Grundy Medical Clinic
- Board Member, Joliet Area Chamber of Commerce
- President/Treasurer, Joliet Area Young Professionals
- President/Vice President, Financial Management Association
- Member, College of Business Student Advisory Board
- Member, Association for Financial Professionals
Timeline
Vice President of Commercial Lending
Heartland Bank and Trust
07.2015 - Current
Assistant Vice President
Heartland Bank and Trust
02.2012 - 06.2015
Commercial Banking Officer
Heartland Bank and Trust
08.2011 - 01.2012
Commercial Banking Officer
Bank of Shorewood
06.2009 - 08.2011
Credit Analyst
Bank of Shorewood
06.2007 - 06.2009
Bachelor of Science - Finance
Northern Illinois University
Master of Business Administration -
Northern Illinois University
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