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309 Cloverdale
Dr.
Grand Junction, CO 81001
Grand Junction, CO 81001
(970)
250-9876
teresa@bresnan.net
EXPERIENCE:
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4/2007 - Present
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ROYSTER ENTERPRISES
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Grand Junction, CO
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Industry: Banking |
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Owner/Proprietor
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Established this full service
commercial loan brokerage operation in the Spring of 2007. Specialize in the
fee based placement of commercial & commercial real estate transactions
ranging from $250,000 to $25MM with local bank and secondary market lenders.
Responsible for all management functions of this new business endeavor
including, but not limited to, marketing, financial management and tax
reporting. My twenty-eight years of broad based commercial banking experience
provides the critical skills necessary to insure the ongoing viability/success
of the business. Aggregate loan placements exceed $20MM to date with average
transaction size in excess of $750,000. Typical clients include small &
middle market business owners/managers as well as local and non-local real
estate investors.
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5/2005 - 4/2007
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VECTRA BANK
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Grand Junction, CO
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Industry: Banking |
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Senior VP - Senior Credit Officer
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Senior lender in a market grouping
of two branch banks with combined assets in excess of $45MM. Worked closely
with the Market President to provide leadership for the sales and service
activities bank employees. Aggressively and systematically develop and grow
profitable relationships with key clients and new prospects. Managed a
select, complex and diversified portfolio of larger commercial credits/clients.
Maintained high asset quality standards within the loan portfolio while
cleaning up/out significant problem assets that existed prior to my arrival.
Assisted with the annual budget/planning process. Actively managed commercial
lending staff of five to ensure that the bank met business development,
growth, profitability and risk management goals annually. Maintain an
excellent understanding of changing regulatory environments. Successfully
represented the bank in community activities & affiliations helping to
rebuild Vectra's presence and reputation in the community.
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5/2001 - 5/2005
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BANK OF THE WEST
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Grand Junction, CO
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Industry: Banking |
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VP / SVP - Senior Comm'l
Relationship Mgr.
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Senior lender in an area cluster
of two branch banks with combined assets in excess of $100MM. Work closely
with the Area President to provide leadership for the sales and service
activities of all bank employees. Aggressively and systematically develop and
grow profitable relationships with key clients and new prospects. Manage a
complex and diversified portfolio of commercial credits/clients. Maintain
high asset quality standards within the loan portfolio. Assist with the
annual budget/planning process. Actively manage staff to ensure that the bank
successfully meets business development, growth, profitability and risk
management goals annually. Consistently ranked in the top 25 lenders in the
organization. Maintain an excellent understanding of changing regulatory
environments. Successfully represent the bank in selected community
activities & affiliations.
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5/1997 - 4/2000
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SYRINGA BANK
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Boise, ID
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Industry: Banking |
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Senior Vice President / Chief
Credit Officer
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Responsible for all credit
functions to include business development, staffing, asset quality, loan
approval, loan administration/review and lending compliance in this startup
community bank. Functioned as the senior lending officer providing assistance
and guidance to all junior officers and support personnel. Developed, recommended,
implemented and guided the plans, goals and budgets that supported the credit
related objectives of the bank. Established and managed a $15MM personal
portfolio of commercial lending relationships. Actively participated in the
bank business development program. Achieved loan growth exceeding 90% during
fiscal 1999. Developed, implemented and maintained effective credit policy
for the bank. Insured bank compliance with internal policy/procedure and
external regulatory compliance. Sustained the highest supervisory CAMELS
rating for asset quality that is attainable. Functioned as the bank CRA
Officer and empowered the organization to a satisfactory CRA rating from
external regulators. Interacted on a regular basis with the Board of
Directors regarding credit related functions of the bank. Organized and
directed the activities of the Directors Loan Committee. Senior member of the
bank Asset & Liability Committee as well as the Technology Committee.
Successfully represented the bank in selected community activities /
affiliations.
Vice President / Business Banking Relationship Mgr. Served as the primary sales and service relationship officer for a portfolio of new & existing borrowing clients at this de novo community bank. Responsible for all product relationships with clients, problem resolution and management of overall portfolio profitability. Actively participated in the bank business development program. Developed and maintained effective business development strategies to bring new clients to the bank and enhance product cross-sell opportunities with new and existing clients. Reviewed multiple purpose credit applications and approved or declined loans within assigned lending limits. Prepared loan requests for approval by the Chief Credit Officer and/or Loan Committee. Maintained high asset quality in my personal portfolio with minimal delinquency and no credit losses. |
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5/1993 - 5/1997
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U.S. BANK
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Caldwell, ID
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Industry: Banking |
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Vice President / Branch Manager
III
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Effectively managed a branch
banking sales/service office, assuring cost effective and seamless
distribution of deposit products, consumer and commercial credit services to
a varied clientele. Generated, maintained and expanded a high volume of
retail and commercial clients through effective implementation of
calling/marketing programs. Assured the delivery of superior customer service
to all clientele by maintaining highly trained, well motivated staff members.
Established and maintained a portfolio of commercial loan relationships.
Developed, recommended, implemented and guided the plans, goals and budgets
that supported the sales/service objectives of the branch. Organized internal
leadership structure to achieve maximum potential while maintaining
appropriate staffing levels. Guided, developed and supervised a staff of ten
banking professionals. Insured branch compliance with internal
policy/procedure and external regulatory requirements. Maintained branch
facility and equipment in peak condition and in compliance with applicable
safety regulations.
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11/1988 - 5/1993
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FIRST INTERSTATE BANK (now Wells
Fargo)
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Boise, ID
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Industry: Banking |
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Various - As Follows
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Credit Analyst
(lateral move to this position after reductions in force eliminated the Credit Review area) Analyzed and interpreted complex financial information, for diverse companies and industries, to evaluate the lending risk associated with existing and prospective borrowers. Performed cash flow analysis utilizing a variety of methodologies. Researched company and industry issues through staff and customer interviews. Prepared and updated written industry studies and performed industry peer comparisons on a variety of operational and financial indicators. Reduced outcome of analytical research to written credit presentations. Performed systematic reviews of existing complex commercial loans. Conducted marketing calls to existing and prospective borrowing clients. Credit Review Officer Performed independent reviews of commercial, agricultural, real estate and large consumer loan transactions to assess compliance with the institution's loan quality control standards. Evaluated credit analysis, underwriting and documentation to determine the quality of each loan asset and to identify exceptions to bank policy or federal law. Objectively determined the final risk rating which best quantified the level of credit risk inherent within each transaction. Monitored the commercial loan portfolio to insure adequate diversification by loan type and risk level and to limit the occurrence of specific industry concentrations. Prepared detailed reports to convey analytical conclusions and the subsequent corrective recommendations to the Board of Directors, executive management and federal regulatory bodies. Member of the Credit Policy Committee. Reviewed and recommended credit policy changes. Developed and implemented an automated environment to enhance the credit review process. Managed the department credit tracking database and acted as computer technical support liaison for the area. Senior Credit Examiner Conducted on site credit examinations to include full documentation reviews. Reviewed commercial, agricultural, real estate and consumer loans to evaluate asset quality and determine overall portfolio condition. Assessed adequacy of internal bank routines and controls utilized to safeguard credit assets and financial records. As the Examiner in Charge, structured and supervised examinations. Conveyed examination results and specific corrective measures to bank management and the Board of Directors. |
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EDUCATION:
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11/1998
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Center for Financial Training (CFT
formerly AIB)
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US-Boise Chapter
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Vocational
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Completed a variety of formal /
informal course work with primary emphasis centered in the areas of
Accounting, Operations, Credit and Management.
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3/1993
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Risk Management Association (RMA)
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US-Philadelphia
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Certification
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Completed a variety of formal /
informal course and seminar work with primary emphasis with regard to lending
and credit risk. RMA member and successful participant in RMA's Commercial
Credit Officer testing program.
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Employer Facilitated Training
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US-Various
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Vocational
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Completed a variety of informal
course and seminar work with primary emphasis centered in Accounting, Credit,
Business Development, Media Relations and Customer Service related areas.
Successful participant in First Interstate Bancorp's Exemplary Credit Officer
Program. Numerous sales training courses such as MZ Bierly, Cohe-Brown, etc.
Instructor for Cohen-Brown sales training courses.
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Council High School
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US-Council
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High School or equivalent
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Boise State University
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US-Boise
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Professional
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Attended this accredited
university beginning in 1980. Major studies in business and finance.
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West One Bank (now US Bank)
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US-Boise
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Professional
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Management Training Program.
Successful graduate of this in-depth training program. Completed an accelerated
version of the program in 1984.
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Bank Administration Institute
(BAI)
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US-Chicago
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Vocational
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Completed a variety of formal /
informal course work with primary emphasis centered in the areas of
Accounting, Operations, Credit and Management.
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American Bankers Association (ABA)
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US-Washington
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Vocational
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Completed a variety of formal /
informal course and seminar work with primary emphasis centered in
Accounting, Management and Credit related areas.
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