STEVEN V.

PHI LLIPS

Phone: (919) 552-3713(H)
Fuquay Varina, NC 27526 Phone: (919) 815-7764(C)
Email: svphillips3@earthlink.net
www.linkedin.com/pub/steven-v-phillips/14/2b0/7b5

CREDI T & LENDI NG EXECUTI VE
Versatile and well-practiced leadership-level banking, finance and credit leader. Known for in-depth experience and
expertise within community and national banking institutions, demonstrating dynamic leadership with exceptional
team- and relationship-building talent. Possess strong track record of high-level account management and client
engagement, overseeing multi-billion dollar banking and lending assets for consumer, business and commercial
customers. Strong expertise in leveraging existing networks, and proactively directing associates to new loan
customers. Highly accomplished in consultative and integrity-based selling, driven by strategic objectives, keen
analysis of the credit requested for mutual benefits for the customer and the bank.


AREAS OF EXPERTISE


Small Business Lending
Commercial Mortgages
Credit Analysis
Consumer Lending
Retail Banking
Underwriting
Loan Origination

Relationship Management
Portfolio Management
SBA
Credit Risk


KEY SKILLS ASSESSMENT


REGULATORY COMPLIANCE, MONITORING AND OVERSIGHT Adhere to, reinforce and ensure decision-making and
operational compliance with institutional, industry and regulatory policies and procedures, demonstrating awareness,
understanding and application of rigorous standards and best practices.
TERRITORY MANAGEMENT Committed to quarterbacking internal teams through the exchange of knowledge,
experience, and goal sharing to optimize strategies and drive performance.


PROFESSIONAL EXPERIENCE

FIDELITY BANK (CORPORATE HEADQUARTERS), FUQUAY VARINA, NC 2010 2014
CHIEF CREDIT OFFICER
Directed lending functions in $1.6B asset community bank, with offices in North Carolina and Virginia. Oversaw
underwriting, approvals, portfolio monitoring, special assets, due diligence, OREO, policies and procedures, and
departmental development, withy monthly reporting to Board of Directors. Managed team of up to 14 professionals,
including credit underwriters, analysts, trainers, special assets coordinators and clerical staff.
Improved credit risk matrix, assigning risk grades effectively.
Implemented compliant value assessments for TDR collateral.
Centralized consumer lending functions, preemptively mitigating potential service and operational disruptions.
Initiated loan pricing tool for commercial real estate loans.
Planned centralization of business / commercial functions for implementation.
Established monthly credit forum conference call, enhancing awareness of credit and sales initiatives and news.
Contributed to core conversion and new loan origination systems projects.

FIRST CITIZENS BANK (CORPORATE HEADQUARTERS), RALEIGH, NC
SENIOR CREDIT OFFICER III (2006 2010)
Authorized and administered credit approvals for $1.8B commercial/business asset portfolio, including an expansion
market. Served on credit policy committee, facilitating implementation of policies and procedures as chair of
assessment committee.
Appointed as mentor for credit analysts.
Served as due diligence resource during loss-share acquisitions.
Steven V. Phillips Resume, Page 2
Approved due diligence of field associates, developing protocols to standardize cash flow calculations of
business/commercial process.

CREDIT REVIEW RISK MANAGER (2003 2006)
Supervised and guided credit risk review functions for $17B in bank assets, managing staff of eight geographically
distributed credit review officers. Engaged with various regulatory agencies, bonding companies and
internal/external auditors, preparing and presenting credit risk work plans to Board of Directors audit committee.
Ensured compliance with regulatory requirements, documenting progress quarterly.
Oversaw identification and investigation of risk concerns pertaining to portfolio management, credit
underwriting and concentrations.

REGIONAL CREDIT STANDARDS OFFICER II (1996 2003)
Organized and governed commercial loans for three-state region, conducting reviews and performing analysis of data
outcomes and trends. Reviewed and established institutional credit policies.
Served as ad hoc special asset officer, managing watch list relationships.
Promoted to credit review risk manager within eight months, acknowledged for contributions and performance.

DEALER REVIEW MANAGER (1988 1996)
Managed the analysis and support staff for the Bank dealer relationships. The department recognized and monitored
the risks associated within the Sales Finance Division and commercial lending activities.
Provided credit risk assessments and mitigation for the 500+ dealer relationships.
Monitored the portfolio performance and management of wholesale and retail credit limits (2,000+).


ADDITIONAL PROFESSIONAL EXPERIENCE

FIRST CITIZENS BANK, RALEIGH, NC
DEALER RELATIONSHIP MANAGER
SALES FINANCE LOAN OFFICER
BRANCH MANAGER
MANAGEMENT TRAINEE
ADJUSTER/COLLECTOR



PROFESSIONAL DEVELOPMENT & TRAINING


Dun & Bradstreet: Understanding Financial Statements, Financial Analysis, Credit Evaluations
RMA Courses: Problem Loan Workouts, Advanced Lending to Medical Practices
AIB Courses: Principal of Bank Operations, Law and Banking, Economics, Bank Management, Consumer Lending,
Stress & Time Management
First Citizens Bank: Business Banking School
Microsoft Office: Word, Excel, Outlook