Gary Styles, MBA

Experience

• 

  SECU

  Aug 2013 - Dec 2017

  Along with the previous responsibilities, I decisioned 40-50 loans per week after evaluating all aspects of a member’s application. I supervised 5-10 SECU lending officers in expanding their knowledge of how to assess a loan application. I created monthly objectives for employees, while assessing how efficiently each representative surpassed their specific goals. Within the branch and Contact Center I utilized my Mortgage Loan Originator License and Accredited Financial Counselor License for any member that needed it. A team, including myself, interviewed applicants during the hiring process. Another important aspect is upholding control processes to ensure our member’s sensitive information Show less I previously served as Lending Support for my shift. My duties included overviewing all loans, uploading them into our database, creating cashier checks, and FedExing checks. I specialize in underwriting external refinances for cars. I have held this position since July 2014 and since it is a rotating shift I will train the next employee January 2015 to replace me.I am able to process loans such as credit cards, personal loans, and car loans. I am also able to be the process of mortgages and home equity lines.I currently supervise a team of representatives that take calls through SECU's call center. My job is to guide these representatives into their respective fields of SECU while helping our members. MLO# 1247620I also have my insurance license for Life, Accident & Health, and Personal Lines for the state of North Carolina.On January 15th, 2015 I was promoted to Supervisor. My duties now include helping 15 employees with questions, listening and critiquing phone calls, weekly leadership meetings, recording employee's progress within our career path, and catering to each employee's needs to help them progress and succeed as quickly and efficiently as possible. Show less I was promoted from Financial Services Representative to Financial Services Representative I in July of 2014. I went through the lending training in early June for 3 weeks to become a lending officer. I am now able to help members apply for car loans, personal loans, credit cards, and assist members with any lending needs. Lending SupportJuly 2014 - January 2015 I was chosen by my manager to be one of two people to fill the Lending Support position for our contact center. Since we currently have over 50 employees and over 10 lending officers this position was created. I check over all employees loans to make sure everything is correct with all loan documents. I cut the cashier checks for each car loan and send it to the dealership. Any questions that other loan officers have about loans are answered by me as well. Show less State Employees' Credit Union has allowed me to work in the field I love while constantly giving me the chance to grow. The great customer service that has been instilled in me through the company has allowed me to connect with members one on one with each phone call. In turn, I have been able to develop my communication skills by speaking to 60+ members a day and helping them efficiently and effectively. There are numerous ways I help customers daily. I assist members with opening accounts, transferring funds, providing information about their accounts, general information, and other financial items. I have also been entrusted to handle account sensitive information to continue this great relationship with our members. Being named a mentor as well, I guide newer employees by answering questions and helping them get accustomed to the work environment. I recently have been able to mentor my third group of trainees, which has allowed me to continue growing as a mentor. I attained my Notary Public on March 6th, 2014. SUPPORT POSITION Feb. 2014 - May 2014During this time I had been appointed as Support for my current shift. It adds a few more responsibilities to my role as Financial Services Representative. I must scan all paperwork items into our database so that we can keep electronic record of it. Taking on the role of balancing for the evening shift, each day I must make sure all amounts add up correctly for each employee in Microsoft Excel. It is also my responsibility to handle mail for the office. Show less

  • Senior Financial Services Officer I

    Feb 2016 - Dec 2017

  • Senior Financial Services Officer

    May 2015 - Feb 2016

  • Senior Financial Services Representative

    Nov 2014 - Apr 2015

  • Financial Services Representative I

    Jul 2014 - Nov 2014

  • Financial Services Representative

    Aug 2013 - Jul 2014
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  Truist

  Jan 2018 - Oct 2021

  • Completed annual financial statement spreads to satisfy CCAR requirements and additional interim requests• Completed Covenant Compliance and Financial Statement Monitoring on a quarterly basis for respective CIB Group Portfolio Manager and/or industry. Provide quarterly report documenting completion• Spread C&I, PFA, Dealer, Government Finance, CRE, Non-Profit, and Mortgage Warehouse statements • Audited C&I, PFA, Dealer, Government Finance, CRE, Mortgage Warehouse, and Non-Profit statements for accuracy and consistency per guidelines• Provided feedback on how to spread entities• Provided quarterly updates on the financial activity of BB&T through CAIT team Credit Analyst I (Credit Analysis) • Analyzed C&I / PFA statements and spread accurately per guidelines• Audited CCAR quarterly to ensure Credit Analysis was up to date with current government standards

  • SWAT / Risk & Control Analyst I

    Mar 2021 - Oct 2021

  • QC / Credit Analyst II

    Dec 2018 - Mar 2021

  • Credit Analyst I

    Jan 2018 - Dec 2018
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  First Horizon Bank

  Oct 2021 - Jan 2023

  Senior Credit Analyst

  • Responsible for underwriting various credit requests for commercial borrowers and working collaboratively with the assigned portfolio manager(s) and relationship manager(s) during the entire commercial loan process•Work with the Portfolio Manager in the servicing and monitoring of existing portfolio, including but not limited to the following tasks: Manage receipt and calculation of financial and reporting covenants• Reviews both company and personal annual financial statements for risk trends and potential changes to the risk profile•Spreads financials and projections for both company and personal borrowers /guarantors•Ensure the systems of record are accurate for the loans being administered•Ensure management information is reported timely and accurately•Ensures that regular annual reviews are performed•Provide support with commercial loan origination and ongoing loan portfolio management•Accurately and timely evaluate borrower credit risk and be able to articulate conclusions to the Deal Team and Management•Writes the credit analysis memo based on established policies, guidelines, and procedures for existing and new to Bank customers•Initially grades loans, monitors stale grades report and performs new grading as warranted•Provides feedback on strengths and weaknesses in prospect and borrower credit profiles, incorporating into underwriting documents such as credit memos and annual reviews•Works closely with the Portfolio Manager(s) and Relationship Manager(s) on their assigned team(s), proactively asking questions, requesting feedback, and ensuring work is completed with respect to the team's priorities•Participates in special projects and assignments Show less

• 

  Pinnacle Financial Partners

  Jan 2023 - now

  • VP, Dealer Analyst

    Nov 2024 - now

  • VP, Credit Portfolio Analyst

    Jan 2023 - Nov 2024