Completes annual credit reviews on relationships with total credit exposure over $500,000.Completes credit memorandums for new loan requests or renewals with total credit exposure over $250,000.Spreads both personal and business financials to support new loan requests, renewals, and annual reviews.Analyzes financial information to assist account officers with the loan underwriting process.Organizes and facilitates the weekly Officers Credit Meeting, including taking the meeting minutes.Completes the quarterly Concentration Reports for Bank of Early and OneSouth Bank.Completes the quarterly Loan Loss Reports for Bank of Early and OneSouth Bank.

Contributed to the loan decision-making process by providing in-depth, high-quality credit analysisContributed to sound portfolio management by preparing loan reviews on existing creditsMonitored compliance with various laws and regulations affecting credit grantors; monitors compliance with policies established by the bankContributed to the development of other credit personnel by assisting the manager in the training functionSpread and performed interpretative analysis of financial statementsPrepared personal cash flow analysis for all individuals & consolidated cash flow analysis when necessaryPrepared appropriate statement memoranda for use in loan decision-makingWorked closely with loan officer in evaluating new creditsAssisted lending personnel in reviewing existing commercial loan portfolio and prepared written reports in accordance with bank's loan review scheduleAssisted lending personnel in financial forecasting through use of computer-based forecasting modelsMonitored compliance with loan covenants and with banking policiesPerformed industry research and assessment when neededAssisted in training and evaluating other credit personnel as requested by manager and assumed the role of an instructor or administrator as requested by management in conducting training sessions.

Responsible for overseeing and coordinating day-to-day workflow for a group of 2 Specialists and 3 AnalystsServed as a project lead within the a Credit Support UnitResponsible for overseeing routine and non-routine administrative, operations, and/or services support tasksEnsured service standards, policies, procedures and customer issues were being metHandled complex problem solving that had been elevated from the Specialists and Analysts and responded to internal client questionsCoached and trained Specialists and AnalystsProvided Performance feedback to supervisor

Responsible for processing and tracking standard analytical work related to clients in the Commercial, Private Client, Private Banking, and Real Estate Finance lines of businessPerformed calculations such as Monitoring Loan Covenants and Borrowing BasesResponsible for using various software packages (i.e. Moody's) to convert financial statements to standard formats and prepared simple projections when requestedResponsible for documenting client exposure on an annual basis utilizing SunTrust Credit Management Package software. The annual reviews included the PRISM risk rating processTrained in OMEGA Financial Accounting for Lenders and Commercial Loans to Business, and Shesunoff Banking