In his book Cure for the Common Life: Living In Your Sweet Spot, Max Lucado wrote “Look back over your life. What have you consistently done well? What have you loved to do? Stand at the intersection of your affections and successes and find your uniqueness.” Banking is that thing that I have always done well, have always loved to do, my uniqueness…my “sweet spot”.
Experience
Over thirty-nine years of banking experience concentrated in the following areas:
• Credit Risk Management
• Credit Policy Development & Training
• Credit Administration
• Credit Analysis & Loan Review
• Small Business Loan Underwriting
• Small Business & Commercial Lending
• Commercial Real Estate Lending
• Problem Asset Management/Workouts
About
I have had a unique career that has afforded me direct experience throughout the entire commercial loan process from the time that you shake the hand of a new prospect through the time that you collect the last dime from them in bankruptcy court. That experience gives me the ability to look at credit risk and credit portfolio management from a number of different perspectives that many others do not have.
- Worked directly for various financial institutions in the Tri-State area (PA/OH/WV) ranging from $58 million to $12 billion in size
- Founded/Co-Founded two loan review/bank consulting companies serving several financial institutions in the Tri-State area
- Performed loan reviews of business loan portfolios at numerous financial institutions in the Tri-State area, either as an employee or consultant. Also performed reviews of consumer and residential mortgage portfolios for two of those institutions.
- Performed “desk reviews” of securitized commercial real estate portfolios for two national banks as a subcontracted consultant
- Worked directly with examiners from OCC and OTS, either as an employee or consultant for five troubled institutions
- Managed the Credit Analysis and Loan Administration functions for five financial institutions in the Tri-State area
- Served on Loan Committees at six financial institutions in the Tri-State area
- Held direct lending positions in three financial institutions in the Tri-State area
- Exercised individual loan authorities of various levels at four financial institutions in the Tri-State area
Contact
I welcome the opportunity to further discuss my background and how it can be leveraged to benefit your institution.
Contact me for more information.
Email: dennis@biearman.com
Phone: 304-873-4224