Jack Proctor
Richmond,VA
Summary
Analytical and relationship-driven Senior Credit Analyst with extensive experience underwriting complex loan facilities, managing portfolios for top U.S. homebuilders, and driving compliance and risk management. Excels at translating financial analysis into actionable recommendations, streamlining credit processes, and supporting cross-functional project teams to achieve strategic objectives. Passionate about leveraging finance expertise to further organizational success and growth and helping customers achieve the same.
Overview
5
5
years of professional experience
Work History
Sr. Credit Analyst
U.S. Bank
04.2023 - Current
- Underwrote new originations, renewals, and modifications for multimillion-dollar loan facilities serving leading private homebuilders and build-to-rent clients nationwide, driving portfolio growth and minimizing risk exposure.
- Conducted comprehensive portfolio management, ensuring 100% borrower compliance with loan covenants; proactively identified and resolved credit risk items, reducing potential delinquency rates.
- Reviewed, ordered, and analyzed property appraisals to confirm alignment with construction budgets and loan strategies, increasing valuation accuracy and underwriting efficiency by 20%.
- Fostered strong client relationships by transparently communicating around covenant breaches, overdue financial statements, and risk factors, supporting resolution and regulatory adherence.
- Developed credit analysis reports and recommendations for Senior Management, contributing to improved decision-making and risk mitigation initiatives.
Production Supervisor
Ryan Homes
06.2022 - 02.2023
- Directed daily logistics for multi-site homebuilding projects, optimizing subcontractor and supplier coordination to deliver projects ahead of schedule.
- Supported project manager in achieving full OSHA compliance and meeting environmental regulations, improving site safety standards and audit performance.
- Implemented process enhancements that increased scheduling efficiency and reduced build times.
Analyst
Atlantic Real Estate Capital
06.2020 - 08.2020
- Created deal-books for sourcing debt and equity in commercial real estate investments.
- Researched market data including rents, expenses, vacancy, inventory, and construction starts utilizing local and national sources including CoStar, Green Street, CBRE, JLL, and Colliers.
- Created budgets and spreadsheets to project metrics including NOI, Yield-on-Cost, Debt Yield, Loan to Value, and Debt Coverage Ratios as part of the deal package.
Education
B.S. - Finance – Corporate Financial Management
Virginia Tech
Skills
- CoStar
- Trepp
- Organizational Leadership
- Macro Economics
- Portfolio management
- Credit risk assessment
- Loan presentation preparation
- Verbal and written communication
- Skilled in Excel, Word, Built, Google Docs
Timeline
Sr. Credit Analyst
U.S. Bank
04.2023 - Current
Production Supervisor
Ryan Homes
06.2022 - 02.2023
Analyst
Atlantic Real Estate Capital
06.2020 - 08.2020
B.S. - Finance – Corporate Financial Management
Virginia Tech
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