Tyler Ernest
Houston,TX
Summary
Outgoing and results-driven, bringing strong background in client relationship management and strategic planning from the banking industry. Comprehensive understanding of sales techniques combined with excellent negotiation and communication abilities. Using knowledge of analytical and sales background to relate to customers and to continue growing in a new industry.
Overview
11
11
years of professional experience
Work History
Commercial Lender
Stellar Bank
01.2021 - Current
- Provided excellent customer service by addressing client concerns promptly and professionally.
- Make sales calls to expand existing loan portfolio.
- Continuously monitored economic trends affecting industries within assigned territories to better inform decision-making processes during deal evaluations.
- Identified new business opportunities through market research and networking events, driving revenue growth for the institution.
- Supported complete and accurate loan file documentation.
- Currently managing over 40 loan relationships with portfolio eclipsing $75M.
Senior Portfolio Manager
Stellar Bank
08.2018 - 12.2020
- Attend client meetings with Relationship Managers to understand and assist with client's lending needs.
- Make follow up sales calls to potential clients seeking lending opportunities.
- Prepare credit presentations for Relationship Managers to take to executive loan committees approval.
- Periodically review and analyze clients financial statements for compliance checks and health of the statements.
- Portfolio Manager to 5 lenders with combined loans of over $250M.
Portfolio Manager I – Business Banking
Woodforest National Bank
07.2017 - 08.2018
- Review and analyze financial statements of businesses in all industries to determine risk and credit worthiness; including trends in revenues, profit margins, profitability and financial ratios
- Attend client meetings with Relationship Managers to further develop business relationships and gain understanding of their banking needs
- Prepare complete underwriting packages to be submitted to Senior Credit Officers for credit approval
- Mentor and train credit analysts on how to analyze financial statements, calculate coverage ratios, and prepare complete underwriting packages
- Perform quarterly financial reviews of existing clients through borrowing base certificates, compliance certificate reviews and criticized asset reports
- One of two PMs that manage a portfolio totaling $448MM with over200 clients
Commercial Credit Analyst I & II
Woodforest National Bank
06.2015 - 07.2017
- Hired as credit analyst I June2015 and promoted to credit analyst II April2016
- Prepare credit packages for approval of extensions of credit, which includes financial analysis, identifying industry risk, assessing borrower’s credit history, and summary of the loan request
- Create spreads and analyze financial statements for all types of companies to use in the credit evaluation process using financial cash flow spreading software
- Review and analyze profitability, financial ratios, and volatility of businesses in all industries
- Attend sales calls with Relationship Managers in regards to establishing and building business relationships with possible clients
Credit Analyst
First Bank
06.2014 - 06.2015
- Prepare credit presentations to include credit analyses and summaries of loan request submitted to SLO and Loan Committee for approval
- Analyze the financial statements for all types of companies to use in credit evaluation process using financial analysis spreading software
- Review and analyze profitability, debt service coverage, debt to income ratios, and credit histories for both individuals and companies to determine credit risk
- Order and review residential lot and residential construction appraisals
Education
Bachelors of Business Administration - Finance
Texas A&M University
College Station, Texas05.2014
Associates Degree - Business
Tyler Junior College
Tyler, Texas05.2012
Skills
- Sales background with current portfolio of $75M in loans
- Team collaboration and leadership
- Goals and performance
- Customer relationship management
- Analytical background
- Sales presentations delivered to executive committees
EXTRAS
Member Tyler Junior College Baseball Team Fall2010 – Spring2012, Region XIV Junior College Athletic Conference All-Academic Spring2012, Academic Scholarship Tyler Junior College Fall2011 – Spring2012
Timeline
Commercial Lender
Stellar Bank
01.2021 - Current
Senior Portfolio Manager
Stellar Bank
08.2018 - 12.2020
Portfolio Manager I – Business Banking
Woodforest National Bank
07.2017 - 08.2018
Commercial Credit Analyst I & II
Woodforest National Bank
06.2015 - 07.2017
Credit Analyst
First Bank
06.2014 - 06.2015
Associates Degree - Business
Tyler Junior College
Bachelors of Business Administration - Finance
Texas A&M University
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