• Responsible for the management of a portfolio of commercial banking customers with annual revenues greater than $500 Million. • Analyze financial information of current and prospective customers of a complex nature, using various models, in order to prepare complete and accurate credit proposals that enable the risk department to make sound and informed credit decisions.• Assist with the structuring of credit agreements and review legal documents to ensure accuracy and consistency with approved credit memorandums. • Coordinate with international relationship managers and local credit officers to facilitate the endorsement of credit facilities for foreign subsidiaries of US based clients. • Ensure that the portfolio strictly adheres to compliance and operational risk controls in accordance with internal and regulatory standards, policies and practices. • Accompany relationship managers on customer calls to get a first-hand understanding of the customer’s business model and possible credit risks.• Monitor activities of facilities to ensure usage and conditions comply with approved agreements. • Responsible for reviewing and maintaining the financial reporting and covenant tracking databases to ensure all customers remain in compliance with agreed upon terms. • Monitor the global profitability of each relationship within the portfolio to ensure that each meets the required benchmark and that the pricing is in line with the bank’s risk factor.

• Responsible for the management of a portfolio of commercial banking customers with annual revenues within a range of $50 Million to $500 Million.• Completed credit analysis of existing and prospective customers including the review operating trends, financial ratios, debt service capacity, and liquidity in order to draw a conclusion and make a recommendation as to the customer’s credit worthiness and potential structure of credit facilities.• Accurately input select data points into the core to ensure all loan and customer information was accurate in the loan system. • Monitored the global profitability of each relationship within the portfolio to ensure that each meets the required benchmark and that the current pricing is in line with the bank’s risk factor.

• Conducted financial analysis on both new and existing commercial customers with revenues up to $250 Million, then provided a recommendation for terms and conditions as well as risk grade.• Managed small business workflow by receiving and assigning deals of customers with relationships under $250,000 to the 4 other analysts in the department.• Assumed duties of credit department manager in the absence of the supervisor.• Lead member of the project team assigned with the duties of implementing new financial software.• Attended weekly commercial pipeline meetings to review completed work and upcoming projects.

• Conducted financial analysis on both new and existing commercial customers with revenues up to $250 Million, then provided a recommendation for terms and conditions as well as risk grade.• Spread financial statements for the relationship managers.• Input business banking loan applications using Baker Hill’s Bank2Business software. Using output score and additional information from the customer’s credit report aided management in the decision to approve the loan.• Prepared quarterly reports for senior management which detailed all recent approvals and any exceptions to the bank’s loan policy.