1. Jerrid Cross
529 N 2780 Rd ~ Waurika, OK 73573
Home Phone (580) 439-6383 ~ Cell Phone (580) 704-7281 ~ Email jcross@pldi.net
OBJECTIVE
To obtain long-term employment with a growing and reputable company and to continue to expand a career in finance or a
managerial position.
WORK HISTORY
November 2014 to Present First National Bank AVP Loan Officer, Debit Card Department Manager
 Responsible for a loan portfolio of $10 million; to include agricultural, commercial and consumer.
 Supervise all past dues,credits, and work with other lenders to collect payments or initiate collection.
 Manage the debit card department to include ordering new cards, solving customer’s problems, and filing fraud cases.
 Assist with all bank functions as needed; transporting money, tellering, ATM maintenance, balancing.
January 2009 – November 2014 Peoples Bank & Trust- AVP, ChiefLending Officer, Security, and CRA Officer
 Responsible for all bank loans, building to approximately a $30 million portfolio from $10 million; to include agricultural,
commercial and consumer.
 Screen, review, and process all SBA and FSA loans. Include instituting a recruitment avenue and selling the guaranteed
portion of the loan.
 Supervise all collections processes and act as collections officer. Establishing action plan once property repossessed to
redeem the most value.
 Training all new employees about bank security, as well as, annualtraining and testing.
 Working with bank president to maintain correct CRA ratios to maintain compliance.
 Involvement in the community to assist in public relations and goodwill toward the bank.
July 2007-January 2009 First Bank & Trust Co – Credit Analyst / Loan Review.
 Analyze tax returns, income statements,and balance sheets,along with collateral position.
 Work closely with lenders to insure informed credit decisions on loan proposals.
 Review loan portfolios to assign grades based on inherit risks and compliance with bank policies and regulations.
 Monitor loan portfolio to ensure adequate underwriting standards are being followed.
 Facilitate past due loan management with Banking Center Managers and recognize problem loan situations.
 Assist Asset Recovery Department and other credit administration functions as needed.
November 2006-January 2010 Real Estate Agent
 Facilitate finding and purchase of property for clients based on their needs and financial ability.
 Advertise and promote homes for sale, associated real estate business,and myself.
 Represent clients in legal transaction,negotiate terms of contract on behalf of client for mutual satisfaction,estimate
closing costs,and review HUD previous to closing.
May 2004-July 2007 Waurika National Bank- Banker
 Process and build consumer loans,process loan payoffs, and record and collect on past due accounts. Maintain loan
records to comply with requirements for audits. Perform cattle inspections and appraisals.
 Responsible for daily balance and transaction records. Balance daily bank reports. Post the General Ledger.
 Balance bank investments,time deposits,and corresponding bank accounts. Initiate and receive wire transfers.
 Maintain Vault by preserving accurate daily balance, stocking monies, and other general maintenance.
 Establish accounts and process deposits,withdrawals and payment transactions for checking, savings,loans and
Certificates of Deposit. Process returned customer checks.
December 2002-May 2004 Local Oklahoma Bank
Asset Quality Specialist (December 2002-May 2004)
 Collection of delinquent loans for seven branches.
 Contact of customers by telephone and written correspondence. Skip trace customers in collection of charged of loans.
 Process payoff documents to include release of lien entry and UCC filings.
EDUCATION
Bachelor of Business Administration Degree, Cameron University, May 2004