SAMUEL T. SPINDLER
Tyler,TX
Summary
Talented Professional with 20 years of commercial C & I underwriting professional with extensive experience in evaluating financial statements and determining risk levels for commercial insurance. Highly reliable team player who adapts to evolving market demands and consistently achieves positive outcomes. Skilled in risk analysis and client relationship management, known for meticulous approach and strong ethical standards.
Overview
13
13
years of professional experience
Work History
Commercial Credit Analyst / Equipment Leasing
Cathay Bank
08.2023 - 09.2025
- Responsible for managing the Equipment Finance’s documentation team in support of transaction volume
- Manages the documentation portions of the deal flow of the business, ensuring that all processes are completed within guidelines and customer satisfaction rates are high. Directs the preparation of lease documentation and close transactions generated by the business unit
- Drives the timely booking of deals in order to support efficient funding of transactions
- Supervises systems implementation and training, data migration, and workflow movement relating to the documentation process
- Streamlines processes, continuously refreshes the process improvement roadmap, and ensures that policies, procedures and guidelines are well documented
- Works closely with other departments to effectively and efficiently close transactions
- Works closely with other department heads to establish broad plans and policies that affect all areas of the company
Commercial / Equipment Finance Underwriter
Umpqua Bank
06.2021 - 07.2023
- Partner with Relationship Managers
- Manage and/or mentor and train junior Equipment Finance Group (EFG) teammates
- Support and assist other EFG teammates as workload dictates
- Keep informed of current economic conditions and legislation which may affect customer relationships and the Commercial Line of Business
- Work as a member of the EFG’s Credit Delivery Team in conjunction with Relationship Manager, Credit Officer, EFG Operations Manager, EFG Director, etc
- Work under direct supervision of the EFG Operations Manager and as a partner with Relationship Managers RMs
- Provide assistance in working with the RM to structure and underwrite new loan and lease requests
Sr. Underwriter
Golden State Bank
08.2020 - 04.2021
- Underwrite complex C&I, CRE loans.
- Prepare extremely detailed credit approval documents that contain in-depth analysis and an understanding and identification of credit issues and risks.
- Analyze and spread diverse credit information, credit reports, tax returns, financial statements and proformas to access loan feasibility.
- Written and Verbal presentations of credit approval recommendations to loan committee.
- Follow the SBA's Commercial Credit & Underwriting Guidelines to determine credit extension eligibility for small business applicants of 7a and 504 loans.
- Review business's financial information provided (included, but not limited to: IRS Tax Returns/Transcripts, CBRs, Dun & Bradstreet reports, company & CPA prepared financial statements, asset & depreciation schedules, and other business documentation).
- Using an SBA approved cash flow analysis chart, determine small business's liquidity value & DSCR on both business and global perspectives.
Commercial/Equipment Finance & Leasing Underwriter
Bank of Hope
01.2017 - 07.2020
- Provide support of credit request risk management by validating underwriting, policy compliance and risk assessments on credit request packages to be submitted for co-approval or approved by Relationship Managers. Ensure packages are complete, accurate and thoroughly documented
- Manage data integrity of risk grading inputs and outputs by confirming current and adequate information has been utilized and proper primary source of repayment has been identified
- Analyze loan and lease structure options and provide recommendations
- Provide monthly monitoring of portfolio credit performance including delinquencies and reserve positions
- Participate in the relationship risk management process through preparing thorough and accurate loan review packages, conducting timely covenant compliance, and completing special reporting/assessments that adhere to BB&T policy. Take ownership of action items agreed upon in regional loan review committee to ensure execution
- Assist in portfolio risk management by completing third party reporting initiatives, specified quarterly and annual reports, and risk management special projects
- Conduct complete credit analyses including gathering, analyzing and interpreting all types of credit and industry information on existing and prospective customers
Sr. Credit Analyst III
Wells Fargo Commercial Banking Services
04.2014 - 12.2016
- Underwrite C&I, CRE, & SBA loans
- Prepare high quality detailed credit approval documents that contain in-depth analysis and an understanding and identification of credit issues and risks.
- Prepare loan requests within established timelines in accordance with Loan Policies and procedures.
- Analyze diverse credit information, credit reports, tax returns, financial statements and business plans to access loan feasibility.
State
Internal Credit Review Manager
State Bank of India, SBI
12.2012 - 03.2014
- Review adequacy and quality of underwriting analysis on all commercial loans.
- Team Leader oversees credit and underwriting activities of other officers to ensure that current and potential customers are properly analyzed to minimize credit losses.
- Underwrite loans with updated financial information from borrower and guarantor.
- Review analysis of financial statement spreads and debt service ratio calculations
- Review that impairment analysis meets the requirements of ASC 310 (FAS 114)
- Review Accounts Receivable Audits/ Review compliance with loan covenants
Education
Bachelor of Arts - Finance
State University of New York
Skills
- Managing Risk
- Analyzing Data
- Team Building
- Supervision & Leadership
- Organizational Skills
- Problem Resolution
- Critical Thinking
- Customer Service
- Friendly, Positive Attitude
- Conflict Resolution
- Active Listening
- Good Work Ethic
- Problem-solving
- Attention to detail
- Problem-solving abilities
- Time management
- Organizational skills
- Risk assessment
- Documentation review
- Credit analysis
- Cash flow analysis
- Financial statement analysis
- Debt restructuring
- Financial statements expertise
- Statement review
- Loan documentation and policies
- Credit decision making
- Debt service models
- Customer service
- Analytical thinking
- Collateral valuation
- Problem loan resolution
- Financial statement interpretation
- Lending regulations
- Loan documentation
- Data analysis
- Underwriting
- Decision-making
- Loan underwriting
Timeline
Commercial Credit Analyst / Equipment Leasing
Cathay Bank
08.2023 - 09.2025
Commercial / Equipment Finance Underwriter
Umpqua Bank
06.2021 - 07.2023
Sr. Underwriter
Golden State Bank
08.2020 - 04.2021
Commercial/Equipment Finance & Leasing Underwriter
Bank of Hope
01.2017 - 07.2020
Sr. Credit Analyst III
Wells Fargo Commercial Banking Services
04.2014 - 12.2016
Internal Credit Review Manager
State Bank of India, SBI
12.2012 - 03.2014
Bachelor of Arts - Finance
State University of New York
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