Bob Willingham

Background

About Bob Willingham

Financial services professional with experience and skills at the senior management level including- Regional Executive - Responsible for profitability, growth and sound operation of all banking offices within region, as well as business development, and lending- Commercial lending - Senior Lender and division manager, financial analysis and underwriting, loan structuring, portfolio management, client responsiveness, business development, SBA lending - Audit, compliance, loan review, and credit administration management - Excellent analytical, accounting and problem solving skills - Proficient computer skills, including Microsoft Office, Word and Excel, and financial analysis programs -Expertise in developing budgets and long term strategic plans, both at the corporate and client levels - Experience with loan workout situations and FDIC “Loss Share” requirements Professional Accomplishments: Served as Senior Lender, responsible for overall loan quality, compliance, and documentation Developed loan review program for bank holding company and served as Loan Review Officer Created centralized credit department, established and implemented standardized format for files Co-authored complete revision of lending policy manual, and developed real estate policy manual Coordinated regulatory examinations with federal and state regulators, prepared response to findings for senior management Managed the internal audit division, served as Internal Auditor Managed compliance division, served as Compliance Officer, responsible for ensuring compliance with existing compliance regulations, and creating policies and procedures to implement new or revised regulations Responsible for commercial banking relationship management, business development and retention, and providing superior client service. Managed several banking center locations, responsible for supervision of staff, budgeting, business development and lending.