Mike Delloro

About Mike Delloro

I love bringing people together and building community relationships. My superpower is…

Experience

1. Vice President - Commercial Lending

   First Texoma National Bank

   Dec 2022 — Present · Durant, OK, US

   Identifying and developing new commercial, consumer, and real estate loan and deposit relationships.• Interviewing clients and prospects seeking commercial and consumer loans.• Collecting and analyzing financial and related data to determine general creditworthiness.• Structuring loan terms and conditions that meet the client’s needs and the Bank’s lending guidelines.• Recommending approval or declination of loans within established Bank policies and informing prospective borrowers of a decision.• Managing a commercial loan portfolio for adherence to loan terms and conditions including but limited to the timely receipt of required financial information, covenant compliance, and annual reviews.• Reviewing documentation and working with Bank personnel or Bank Counsel to ensure loan documentation is prepared in accordance with the proper loan approvals.• Monitoring loan repayment activities and taking necessary action to collect from past-due accounts.• Maintains a thorough knowledge of the features and benefits of all Bank commercial products and services and promotes Bank products that may meet clients’ needs.• Assists in the preparation of Commercial Loan Approvals with commercial credit management.• Identifies and refers cross-selling opportunities to appropriate business partners within the Bank.• Performs joint calls with business partners to identify and recommend additional Bank products and services to existing and prospective clients.• Updates job knowledge by participating in educational opportunities; reading professional publications, maintaining personal networks; participating in professional organizations.

Education

• Louisiana State University

  Graduate School of Banking, Commercial Lending

  2012 — 2014

• Southeastern Oklahoma State University

  Bachelor of Business Administration (B.B.A.), Finance

  2006 — 2010

• University of Miami School of Architecture

  Master of Urban Design, New Urbanism

• Southeastern Oklahoma State University

  Master of Business Administration - MBA, Project Management

Skills

• Leadership
• Mortgage Lending
• Underwriting
• Financial Analysis
• Consumer Lending
• Lines of Credit
• Credit
• Commercial Lending
• Strategic Leadership
• Strategic Planning
• Customer Service
• Portfolio Management
• Loans
• Banking
• Risk Management
• Credit Analysis
• Finance
• Public Speaking
• Financial Risk
• Commercial Banking
• Refinance