Summary
Overview
Work History
Education
Skills
Timeline
Generic

Tyler Ernest

Houston

Summary

Outgoing and results-driven, bringing strong background in financial analysis, client relationship management and strategic planning from the banking industry. Comprehensive understanding of financial statements combined with excellent communication abilities. Using knowledge of analytics, data and sales background 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, Texas
05.2014

Associates Degree - Business

Tyler Junior College
Tyler, Texas
05.2012

Skills

  • Financial analysis
  • Risk assessment
  • Credit underwriting
  • Portfolio management
  • Market research
  • Client relationship management
  • Economic trend analysis
  • Cash flow analysis

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

Bachelors of Business Administration - Finance

Texas A&M University

Associates Degree - Business

Tyler Junior College

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