Darren Howard
Adamsville
Summary
Talented Vice President / Senior Loan Officer with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
23
23
years of professional experience
Work History
Vice President /Senior Loan Officer
Home Banking Company
05.2020 - Current
- Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
- Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
- Mentored junior loan officers, sharing expertise and knowledge to improve overall team performance.
- Successfully managed high-volume pipeline of loans, consistently meeting or exceeding monthly sales targets.
- Managed a diverse portfolio of loans while maintaining low default rates through careful risk assessment and proactive borrower support.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Achieved high levels of client retention by providing exceptional service throughout the loan origination process.
- Maximized approval rates for qualified applicants through diligent review of financial information and thorough assessment of risks.
- Created detailed reports analyzing potential borrowers'' creditworthiness, presenting findings to management for informed decision-making purposes.
- Maintained strict compliance with industry regulations, ensuring accuracy in disclosures and adherence to lending guidelines.
- Examined customer loan applications for loan approvals and denials.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Developed strong relationships with customers through high levels of customer service.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Proactively identified solutions for customers experiencing credit issues.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Developed and maintained relationships with customers, lenders and other third parties.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Processed loan applications and monitored progress from start to finish.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Compiled closing packages for drafting and presentation accuracy.
Vice President /Senior Loan Officer
Central Bank
05.2004 - 05.2020
- Collaborated with senior management to develop strategic initiatives and long term goals.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Managed a diverse portfolio of loans while maintaining low default rates through careful risk assessment and proactive borrower support.
- Mentored junior loan officers, sharing expertise and knowledge to improve overall team performance.
- Created detailed reports analyzing potential borrowers'' creditworthiness, presenting findings to management for informed decision-making purposes.
- Maintained strict compliance with industry regulations, ensuring accuracy in disclosures and adherence to lending guidelines.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Proactively identified solutions for customers experiencing credit issues.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Compiled closing packages for drafting and presentation accuracy.
Teller / Customer Service Representative
First Tennessee Bank
08.2001 - 05.2005
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
- Processed customer transactions promptly, minimizing wait times.
- Assisted customers with account inquiries, resolving issues promptly and professionally.
- Developed strong relationships with customers through exceptional service, fostering loyalty and trust.
- Served as primary point of contact for customers, providing assistance with account maintenance and transactions.
- Supported team members in achieving branch goals through collaboration, communication, and shared responsibilities.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Cross-sold credit cards, loans and other bank products.
- Referred customers to other banking departments for specialized services.
- Trained new hires on customer service policies and procedures.
Education
BBA - Economics And Finance
Middle Tennessee State University
Murfreesboro, TN12.2004
Tennessee Bankers Association
The Southeastern School of Consumer Lending
Nashville, TN 2005
Tennessee Bankers Association
The Southeastern School of Banking
Nashville, TN2006
Tennessee Bankers Association
The Southeastern School of Commercial Lending
Nashville, TN 2007
Skills
- Team Leadership
- Relationship Building
- Decision-Making
- Critical Thinking
- Client Relationship Building
- Customer Service
- Documentation And Reporting
- Data Analysis
- Price Structuring
- Performance metrics analysis
- Customer Prospecting
- Relationship and Team Building
- Analytical and Critical Thinker
State of Tennessee Department of Insurance - Limited Liability
Credit Life and A & H
Timeline
Vice President /Senior Loan Officer
Home Banking Company
05.2020 - Current
Vice President /Senior Loan Officer
Central Bank
05.2004 - 05.2020
Teller / Customer Service Representative
First Tennessee Bank
08.2001 - 05.2005
BBA - Economics And Finance
Middle Tennessee State University
Tennessee Bankers Association
The Southeastern School of Consumer Lending
Tennessee Bankers Association
The Southeastern School of Banking
Tennessee Bankers Association
The Southeastern School of Commercial Lending
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