Shane White

About Shane White

For over 35 years I have specialized in building and leading Construction to Permanent lending programs that balance growth, risk management, and operational excellence. My experience includes product development, policy and process design, training programs, and construction loan administration.I work closely with sales and operations teams to create scalable, compliant programs. I\'m known for my relationship driven approach that delivers great loan experiences for everyone, including sales, operations, borrowers, and builders.I\'m always open to connecting with professionals across mortgage banking and construction lending.

Experience

1. Senior Vice President, Director of Construction Permanent Lending

   Cadence Bank

   Sep 2019 — Present · Birmingham, AL, US

   Director of Construction Permanent Lending overseeing the day-to-day operations of the Construction Permanent Department to ensure alignment with the bank’s strategic goals and objectives. I provide leadership in product management, operations, compliance, and staff development to support a best-in-class Construction Permanent lending program.My responsibilities include:1. Directing all departmental activities related to Construction Permanent lending, ensuring efficient workflows and exceptional customer service.2. Managing Construction Permanent product strategy to maintain a competitive position in the marketplace while aligning with portfolio management goals and secondary market guidelines.3. Overseeing all construction phase functions, including draw disbursements, document collection, inspections, collections, problem loan resolution, and loan modifications.4. Develop, implement, and maintain comprehensive policies and procedures governing origination, processing, underwriting, closing, and construction phase activities of CP loans.5. Established and manages a certification and training program for loan officers and operations staff to enhance knowledge, consistency, and compliance across all construction lending functions, to deliver a best-in-class loan experience.6. Identify, evaluate, and manage relationships with third-party vendors that support construction lending activities.7. Collaborate with executive leadership, credit administration, sales, operations, and secondary marketing teams to ensure sound risk management and program profitability.Proven track record in developing and managing a best-in-class Construction Permanent loan program.

Education

• The University of Alabama

  Bachelor's degree, Corporate Finance

  1985 — 1988

Skills

• Lot Loans
• Underwriting
• Mortgage Servicing
• Construction Product Management
• Portfolio Management
• Loans
• Renovation Lending
• Banking
• Home Equity Lines of Credit
• Mortgage Banking
• Loan Origination
• Mortgage Lending
• Fha
• Credit
• Home Builder Financing
• Credit Analysis
• Lines of Credit
• Residential Mortgages
• 203k
• Commercial Banking
• Refinance
• Consumer Lending
• Va Loans
• One-Time Close Construction Permanent Lending
• Commercial Lending
• Usda
• Construction Loans
• Retail Banking
• Loan Servicing
• Construction Disbursement Management
• Cross Selling