Donald Rings
Mooresville
Summary
Expert in evaluating complex income streams and structuring loans for trusts and entities, collaborating with wealth management teams to provide customized credit and risk solutions. Recognized for strong analytical skills and financial expertise, ensuring business continuity and compliance. Demonstrates a strong work ethic and adaptability, excelling in independent work and quickly acquiring new skills.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Agent
Aflac
07.2025 - Current
- Conduct strategic consultations with business owners and HR leaders to assess existing benefit packages, identify financial protection gaps, and recommend tailored supplemental insurance solutions Accident, Critical Illness, Disability, Cancer policies.
- Conduct advanced credit and compliance reviews across investor services and lending products.
- Identify systemic issues and implement solutions to reduce operational redundancies in commercial lending workflows.
Sr Underwriter
Sea Trust
03.2022 - 08.2024
- Analyze, identify, research, and resolve data discrepancies within risk and performance.
- Underwrote complex mortgage and credit transactions for high-net-worth individuals and business owners.
- Analyzed personal and business financial statements, tax returns, and cash flow to assess creditworthiness.
Senior Risk Analyst
Wells Fargo
06.2019 - 03.2022
- Structured and recommended alternative loan solutions aligned with client needs and bank risk appetite.
- Produced comprehensive risk assessments, leveraging data-driven insights for portfolio optimization.
- Manage the loading and reconciliation of risk data across multiple systems to ensure reporting accuracy for senior risk leadership.
- Serve as Business Continuity Plan Owner and Risk Management representative; contribute to cross-functional enterprise BCP initiatives and test coordination.
- Facilitate alignment meetings, resolve escalations, and act as a key liaison for business lines and senior leadership.
- Proactively identify emerging risks and develop mitigation strategies to strengthen business resiliency.
- Validate applicable SEC and FINRA regulations to ensure compliance in business processes and documentation.
- Support internal and external audits, ensuring accurate and timely responses to inquiries.
- Partner with operational teams to enhance Self-Monitoring Plans, Process Control Checks PCCs, and other risk management programs.
Private Bank Underwriter
Wells Fargo
05.2010 - 06.2019
- Underwrote and analyzed complex mortgage loans for high-net-worth clients, including entity-based and trust lending.
- Partnered with Wealth Advisors to structure customized credit solutions aligned with investment strategies and estate plans.
- Evaluated multifaceted income streams, business returns, and liquidity to assess creditworthiness.
- Ensured compliance with regulatory and investor guidelines while maintaining portfolio quality and minimizing risk exposure.
- Provided mentorship and guidance to junior underwriters and analysts on advanced credit structures and underwriting standards.
Education
Columbus State Community College
Columbus, OHSkills
- Income and tax analysis
- Financial modeling
- Regulatory compliance
- Loan underwriting
- Business continuity planning
- Credit risk mitigation
- Compliance and audit alignment
- Entity-based lending
- Data integrity and reporting
- Cross-functional collaboration
- Advanced Excel skills
Certification
North Carolina Health
Timeline
Agent
Aflac
07.2025 - Current
Sr Underwriter
Sea Trust
03.2022 - 08.2024
Senior Risk Analyst
Wells Fargo
06.2019 - 03.2022
Private Bank Underwriter
Wells Fargo
05.2010 - 06.2019
Columbus State Community College