William Hancock
San Antonio,FL
Summary
I’m a seasoned Credit Officer with 12+ years of experience in conventional and SBA lending, specializing in a wide range of loan types including owner-occupied and investment real estate, construction, business acquisitions, C&I, and lines of credit. I’ve underwritten credits across various diverse industries such as hospitality, retail centers, assisted living facilities, car washes, and educational institutions.
I developed my expertise in a small bank environment, where flexibility, proactive management, and wearing multiple 'hats' were essential. I take pride in delivering accurate, thorough credit analysis while collaborating with my team to structure meaningful financial solutions that meet client needs and uphold the safety and soundness of the institution.
Overview
12
12
years of professional experience
Work History
VP/Senior Credit Analyst
DFCU Financial
Tampa, FL
07.2018 - Current
- Underwrite and approve commercial and SBA credit requests across a broad portfolio including C&I, owner-occupied and investment real estate, hospitality, healthcare/ALF, car washes, schools/daycare, swim schools, and business acquisitions.
- Provide full-scope credit analysis including financial spreading, cash flow analysis, global debt service coverage, collateral evaluation, guarantor strength analysis, industry analysis, and risk identification/mitigation.
- Structure loans in collaboration with business bankers and senior leadership to balance credit quality, regulatory compliance, and borrower needs.
- Independently complete and present full credit reviews and annual/periodic reviews for existing borrowers.
- Underwrite and manage SBA 7(a) and 504 loans, including eligibility analysis, program compliance, and coordination through closing.
- Serve as primary approver for ACH and Remote Deposit Capture applications.
- Perform covenant tracking and ongoing portfolio monitoring.
- Participate in borrower, lender, and internal credit calls, providing credit perspective and risk recommendations.
- Support bank-wide credit initiatives and special projects, including policy updates, portfolio reviews, coaching/training, and process improvements.
Portfolio Manager
First Citrus Bank
Tampa, FL
07.2014 - 07.2018
- Worked directly with the Chief Lending Officer to manage and support his commercial loan portfolio.
- Acted as lender point-of-contact for assigned relationships, including:
-Obtaining and reviewing borrower financial statements
-Communicating directly with borrowers to understand operational needs and growth plans
-Assisting with deal structuring, renewals, and modifications - Underwrote credits, balancing relationship management with sound credit judgment.
- Conducted borrower outreach regarding past-due balances, covenant compliance, and documentation follow-ups.
- Supported portfolio performance through proactive monitoring and borrower engagement.
Credit Administrator
First Citrus Bank
Tampa, FL
03.2014 - 07.2014
- Functioned as the centralized intake and control point for all new commercial loan applications, ensuring completeness and accuracy prior to underwriting.
- Performed comprehensive front-end due diligence, including borrower and guarantor credit reports, OFAC screening, UCC searches and filings, business entity and history searches, and flood determinations.
- Maintained and validated loan data within internal tracking and reporting systems, supporting accurate pipeline management and regulatory readiness.
- Developed and implemented Excel-based loan pipeline and work-in-process (WIP) reporting, enhancing transparency, workflow oversight, and management decision-making; tools remain in active use.
- Coordinated and led weekly WIP meetings, facilitating cross-functional communication among lending, credit, operations, and compliance teams.
- Partnered closely with Compliance to ensure loan packages met regulatory requirements, internal policies, and documentation standards prior to approval.
- Conducted loan reviews, identifying documentation gaps, policy exceptions, and risk concerns.
Education
Bachelor of Science - Business Administration And Management
Florida College
TempleTerrace, FL05-2014
Skills
- 10 Years Experience in Commercial Credit Underwriting
- Expert in both CRE & C&I Lending
- Extensive Experience in both SBA 7(a) and 504 Underwriting & Compliance
- History of Accurate Analysis with Strong Attention to Detail
- Strong Communicator and Comfortable with Presentations
- Strong Computer Skills and Experienced with Microsoft Word/Excel, Fiserv, Hubspot, Moody's Analytics, CoStar
Timeline
VP/Senior Credit Analyst
DFCU Financial
07.2018 - Current
Portfolio Manager
First Citrus Bank
07.2014 - 07.2018
Credit Administrator
First Citrus Bank
03.2014 - 07.2014
Bachelor of Science - Business Administration And Management
Florida College