Richard R.

About Richard R.

A proven leader with 48 years of service in financial management industry that translates organizational paradigms into effective workable strategic alignments that builds on established core principals. Highly skilled in consumer, real estate and commercial lending disciplines. Maximizes human resources through personnel development and empowerment commensurate with the best interest of stakeholders. A highly effective mentor, coach and motivator with a history of attaining high productivity through modeling behaviors and skill sets necessary to be successful. Very knowledgeable of banking regulations and proven track record of implementing the necessary controls to ensure compliance. Dedicated to maintaining a reputation built on quality, service, and uncompromising ethics.

Experience

1. Vice President Senior Relationship Manager

   FirstBank

   May 2014 — Present

   In my current role, Responsible for managing a commercial loan portfolio of $45 Million, mentor a group of Relationship Managers, pertaining to banks loan policy, procedures and underwriting. Support the Market President with daily operational concerns.In my previous role with Farmers National Bank I served as SVP Sr. Credit Administrator, responsible for managing the Credit Analysis function, Loan Review, serve as Chairman of the Compliance Committee, Member of Information Technology Steering Committee, Central coordination of all external bank auditors with reporting to the Board Audit Committee, Pre-Post Closing for policy and compliance, overseeing amendments and updates to Banks Loan Policy, tracking and resolving problem loans and managing special assets. Provide analysis of policy exceptions, review concentrations and document exceptions to the Chief Credit Officer. in addition i was responsible for daily supervision of Loan Operations and Loan Processing departments, creating a higher level of synergies and maximization of human resources. Oversight of the digital imaging systems. Continued project management to enhance technologies to reduce cost and improve efficiencies. Direct responsibility for coaching, training and enhancing resource allocation. Direct oversight of loan operations and document production for Commercial, Real Estate and Consumer lending. Direct responsibility for post closing audit and review, HMDA data integrity, submission of LAR according to federal regulations. Responsible for keeping abreast of regulatory changes relating to the Lending function and implementing and training support staff as applicable Interface with external auditors and OCC Examiners on issues revolving around documentation, compliance and core system bookings.Project Management for implementation of CECL Regulatory changes related to the banks lead formulating methodology efforts and communication with regulatory bodies on progress.

Education

• Bowling Green High School

  High School Diploma, Business/ Military Science

  1974 — 1978

• University of Evansville

  MS PSA, Public Service Adm

  2001 — 2003