Mark Routh

I am a dedicated professional with over 20 years of experience in banking and customer service. I specialize in helping clients navigate their financial needs. My expertise includes credit and risk analysis, underwriting, and portfolio management, where I provide tailored solutions.

A significant milestone in my life has been becoming my brother's legal guardian, which has deepened my commitment to supporting individuals with unique challenges, such as level 3 autism. This experience has ignited my passion for advocacy and community service, and I am eager to make a meaningful impact in a nonprofit setting.

As a previous Scout Leader, I mentored youth, promoted teamwork, and contributed to initiatives that supported bereaved families. My background in Business Administration and Economics, combined with my practical experience, positions me well to transition into a nonprofit role where I can serve the community and uphold my core values.

Work Experience:

Paul Quick, Inc., General Contractor

Associate, assisting with various types of home improvement projects. 2024 - present

R.B. Pharr and Associates, P.A., Land Survey and Mapping, Charlotte, NC

Field Manager and Coordinator, 2017 - 2024

• Leader of a diverse team comprising seven field crews, research analysts, and utility locators. Directed initial real estate due diligence and coordinated field assignments to drive consistent profitability, averaging over 85 projects monthly. 
• Successfully streamlined operational efficiency and implemented process improvements to achieve high-quality production standards while ensuring adherence to industry compliance, employee safety, and customer satisfaction.

United Community Bank (formally Aquesta Bank), Cornelius, NC

VP, Senior Commercial Underwriter, 2016

• Contributed to loan portfolio growth by delivering accurate and timely completion of commercial credit underwriting, participated in customer calls to collect data and understand clients’ financial needs, identified successful cross-sell opportunities to diversify loan and deposit portfolio, and maintained credit quality assurance.

Bank of America, Charlotte, NC

VP, Private Lending Specialist/Credit Manager

Global Wealth & Investment Management (GWIM), 2015-2016 and 1998-2006

• Loan underwriting experience providing tailored credit solutions for Tier-1 ultra-high net worth clients, requiring critical thinking and active listening skills to thoroughly understand and uncover recurring sources and uses of cash, mitigate emerging risks, and successfully structure the facility in alignment with the client’s capacity to service the debt in accordance to bank credit policy, regulatory compliance, and portfolio risk profiles. 
• Founding member of the Custom Mortgage Division, designed to fund and monitor the purchase and new construction of highly customized, non-standard residential mortgages and HELOCs for national and international Private Bank clients throughout the U.S.
• Private Bank tenure exceeded $100MM in credit decisions and/or loans in process for new and existing custom jumbo mortgages ranging from $1MM to over $25MM.

Wells Fargo, Charlotte, NC

VP, Private/Business Loan Underwriter

Wealth Management and Commercial Banking, 2006-2015

Portfolio manager and credit underwriter utilizing various levels of client research, loan negotiating, and approval of new and renewal requests within Private and Business Bank loan departments.

• Business Bank tenure exceeded $30MM in credit decisions for new and renewal commercial loan requests <$1MM, operating within a high production environment, requiring streamlined loan analysis and decision making for small to mid-sized businesses <$5MM in revenue.
• Private Bank/Wealth Management tenure included experience underwriting, negotiating, and approving custom loan requests from $1MM to $25MM+.
• Managed a multiple-million-dollar loan portfolio preceding an economic downturn involving margin call directives, covenant monitoring and negotiation, and risk rating determination.
• Adept at making loan presentations to senior officers and clients, outlining recommended exposure strategies and credit structure, including loan workouts and internal transitions.
• My wealth Management experience included credit underwriting and supervision of a multiple million-dollar loan portfolio, requiring similar due diligence as prior work history outlines.

Education:

• B.S., Business Administration and Economics, concentration in Management Greensboro College, Greensboro, NC