Daniel Gonzalez

About Daniel Gonzalez

Daniel Gonzalez began his banking career in January of 2002 where he spent a year in a formal commercial credit training program as a graduating member of SunTrust Bank’s Management Associate (MA) Program. Since then, he has served as a commercial credit officer in varying degrees and functions. Daniel currently works at SouthState Bank in Charlotte, NC where he serves as Business Lending (BL) Credit Manager. As BL Credit Manager, he is responsible for managing the Business Lending Credit Analyst Team ensuring this team performs at the highest level meeting and exceeding the bank\'s SLA\'s. This team consists of ten credit professionals located in four separate Regions across the bank\'s footprint which now includes Florida, Georgia, Alabama, South Carolina, North Carolina and Virginia. He is also in charge of developing a new critical area for the bank in creating the Business Lending Credit Risk Management function which will help identify and monitor credit risk within the portfolio. He will continue assisting the BL Team with loan decisions maintaining commercial credit authority of $2.25MM secured/unsecured and $225M secured incremental. Previously as BEX Credit Officer also at SouthState Bank, he directly supported over 100 lending officers across the bank\'s footprint with commercial credit authority of $1.5MM secured and $750M unsecured. He provided credit decisions (approvals, declines and recommendations) for new loan requests, renewals and modifications. He was formerly Park Sterling Bank\'s Business Banking Credit Officer. Park Sterling Bank was acquired by South State Bank in 2017.He previously worked at Carolina Premier Bank as Senior Credit Officer. His primary tasks included managing a team of credit analysts and supporting the bank\'s account officers by providing swift loan decisions and advanced underwriting support. Credit authority consisted of $1MM secured,$500M unsecured and $2MM concurrent. After almost 40 years in Central Florida, Daniel and his wife moved to Charlotte in 2015 where he resides today. Daniel enjoys working in community banking because of the hands on approach, broader scope and job satisfaction often times experienced at smaller, local banks.

Experience

1. Senior Vice President Business Lending Credit Manager

   SouthState Bank

   May 2021 — Present · Charlotte, NC, US

   Commercial Credit Administration professional at SouthState Bank. Business Lending (BL) Credit Manager is responsible for overseeing team of ten individuals in four separate Regions (2 Team Leads and 8 Credit Analysts) ensuring that bank\'s SLA\'s are met. Additional management responsibilities include training and coaching team members and developing BL specific procedures and resources. Other tasks include interviewing, hiring, performance evaluations, leading department meetings, etc.Also in charge of creating new Credit Risk Management function for the bank\'s Business Lending LOB. Now a $2+ Billion portfolio on its own, credit risk must be both identified and monitored on an ongoing basis. While this portfolio is largely measured by overall payment performance, identifying key areas of risk within the portfolio itself (be it via purpose or collateral types, exceptions, concentrations, overrides, etc.) is critically important in managing credit risk. Monthly and quarterly reporting highlighting portfolio risks, trends and performance to be presented to bank\'s executive level credit leadership team.Commercial credit authority consists of $2.25MM secured/unsecured and $225M secured incremental to assist with loan approvals/decisions within the Business Lending team.

Education

• University of Central Florida

  Bachelor, Business Administration

  1994 — 1998

Skills

• Underwriting
• Workout
• Financial Statement Analysis
• Portfolio Management
• Loans
• Asset Based Lending
• Banking
• Risk Management
• Cross Selling
• Cash Flow
• Lines of Credit
• Commercial Real Estate
• Regulatory Examinations
• Treasury Management
• Committees
• Relationship Management
• Retail Banking
• Commercial Lending
• Cash Flow Lending
• Business Relationship Management
• Private Banking
• Mortgage Lending
• Commercial Banking
• Refinance
• Credit
• Finance
• Construction Loans
• Executive Reporting
• Direct Sales
• Middle Market
• Loan Origination
• Home Equity Loans
• Financial Analysis
• Commercial Mortgages
• Credit Risk
• Risk
• Financial Structuring
• Small Business Lending
• Corporate Finance
• Approvals