Manage Business Lending departmentOversee production of loan documentation, servicing and closing of all commercial loansCreate and implement strategic plan initiatives for Business Lending DepartmentProvide risk assessments and portfolio management Analyze and review credit decision factorsCompliance with Federal and State regulations

Commercial loan originationCreate and implement busines loan policies for Credit Union MembersProvide financial analysis for Commercial and SBA loan requestsCash flow analysis for Commercial and SBA 7a loan applicationsNegotiate terms and conditions of loan requestsAdhere to Credit Union credit policies, guidelines and proceduresMaintain working knowledge of SBA SOP and Regulations

Credit underwriting on SBA 7a, EXP, CAPline I, CAPline II, SBA Patriot Express, and SBA Export Express loan products as well as conventional loans for the BancorpProvide financial analysis for SBA loan requestsCash flow analysis for SBA 7a loan applicationsNegotiate terms and conditions of SBA loan requestsAdhere to Bancorp credit policies, guidelines and proceduresMaintain working knowledge of SBA SOP and Regulations

Planning and organizing of community service events assisting chartiable organizations across the Greater Cincinnati Area.Recruit volunteers for community service projects.

Review financial spreads of potential SBA 7a and EXP applicantsAnalyze SBA Application requests for accuracy and completenessEnsure consistant spreading techniques for all SBA requestsProvide credit support and SBA Eligibility support to SBA National Staff, SBA Specialists, and other Relationship ManagersLiaison between SBA Specialists and SBA Underwriting department Cash flow analysis for SBA 7a loan applications

Responsible for reviewing loan request submission packages from the Business Loan Center.Complete federal loan applications and prepare closing packages for SBA Express and SBA 7a loan programs.Collect and review all required collateral information.Provide loan decisions/recommendations based on review of all necessary underwriting criteria.Communicate loan request decisions to business banking relationship managers and business development officers.Maintain working knowledge of the SBA Standard Operating Procedures 10-50.Maintain working knowledge of Bancorp credit policies, guidelines and procedures.

Fifth Third Bank Loan/Lease Processor May 2005 - November 2005Data entry of consumer auto loan applications.Communicate with auto dealerships regarding loan applications.

Loan underwriting for SBA 504 loan program and State of Ohio Regional 166 loan program. Complete federal loan application forms along with a credit memorandum for each applicant.Perform credit analysis of each loan applicant. Work with other loan officers, realtors and developers in originating credit opportunities.Review and spread financial statements based on information in loan request packages. Track and analyze financial and loan covenants.Service State of Ohio Regional 166 loan portfolio for annual auditing.

Manage master database containing pertinent loan reports for SBA 504 loan program. Service OH Regional 166 loan portfolio for annual state auditing. Spread applicant company financial statements. Review loan/financial covenants for OH 166 loan program.Evaluate SBA 504 loan portfolio for auditing.Maintain working knowledge of SBA 504 loan program and documentation. Prepare closing binders for loan borrowers.. Skills:Microsoft OfficeE-tranT-softCertified by the National Association of Development Companies in Credit Analysis and Loan Packaging pertaining to the U.S. Small Business Administration loan program (SBA 504).