Responsible for leading Internal Loan Review. Credit Policy Maintenance and Monitoring. Advanced Cash Flow Analysis and Underwriting (global analysis, borrowing-base monitoring, income producing properties, agriculture, municipal analysis, etc.). Management of Credit Analyst teams in Virginia and North Carolina. Management of Bank Real Estate Appraisal and Internal/External Evaluation programs. Leading government guaranteed lending programs (SBA, FSA, NC Rural Center LPP, and USDA). Managing relationships with multiple technology vendors that provide software platforms for lending and loan operations work. Also participating with multiple advocacy panels and focus groups with multiple National-State banking associations.

Focused on Credit Administration and Loan Operations process efficiency (Special Projects). Implemented software to create organized workflow for loan packaging, exceptions tracking, portfolio servicing needs, annual loan reviews, and more. Worked closely with Loan Operations Manager, processors, and respective department management to build product around culture and muscle memory. Also assisted Deposit Operations team with creation of workflows to allow digital efficiency gains with exceptions and workflow items. All workflows assisted with cold storage efficiency, process accountability, and streamlined communication.Also worked with National and State level banking associations on political hot button issues. Visiting House of Delegates, US Congress, and US Senate. Continued work with government guaranteed lending through the Small Business Administration (SBA) and Farm Service Agency (FSA). Started bank relationship with the NC Rural Center Loan Participation Program.Additional work opportunities included:- Working with the Virginia Association of Community Banks (VACB) and Independent Community Bankers of America (ICBA) on advocacy regarding Section 1071 effect on community banks less than $5 billion in asset size. Met with US Senators and US House of Representative members representing Virginia.- Participated as a member of an American Bankers Association (ABA) SBA 7(a) working group working on issues revolving around policy and process.-Met with members of the Virginia House of Delates and Virginia Senators advocating for community banks in the Commonwealth.

Data analysis and profitability studies. Special projects for Strategic and Executive planning.

Led and serviced commercial loan portfolio in Carroll County, Virginia; City of Galax, Virginia; and Surry County, North Carolina. Portfolio consisted of real estate, agriculture, small business, equipment, and municipal. Also led the SBA 7(a) and Express programs. Strong experience with SBA Express and SBA Small 7(a) programs. Assisted with municipal lending for subject market and assisted other lenders when needed with municipal lending needs.Strengthened relationship with regional Small Business Development Center and worked to meet centers of influence in market areas. Past due management and assistance with special asset loans. Assisted with special projects as assigned by Executive Management. Served as mentor to college intern team in Summer of 2017. Reported directly to Chief Business Lending Officer.

Assisting the Management team of Grayson National Bank with process review and systems analysis in preparation for combination with another local banking intuition (Bank of Floyd). Combination would create Skyline National Bank. Assisted with creating project tracking and coordinating resource teams to project management sponsors to make analysis for certain projects and programs efficient. Areas of focus included: marketing (vendor selection, identity research, etc.), Information Technology (core research, EFT service provider research, core ancillary product comparison, and online banking software comparisons).Assisted Information Technology (IT) department with vendor analysis using prior experience as a credit analyst.Served as Mentor for eight person college intern team in Summer of 2016.

Commercial Credit Analyst provides assistance in the completion and review of underwriting for commercial loan and mortgage requests. Analyzing of credit risk factors revolving around cash flow coverage, financial ratio analysis, repayment structure analysis, and collateral valuation.Analyst position also includes providing support for consumer lending staff when needed to assist in the review of underwriting for residential mortgages, home equity lines of credit, home equity loans, auto loans, and personal loans.Sample areas of work:- Working Capital Lines of Credit- Income-Producing Property Loans- Small Business Lending- Agriculture Lending- Internal Real Estate Valuation- Appraisal Review- Special AssetsThe position also worked with government affiliates such as the USDA – Farm Service Agency (FSA) and the Small Business Association (SBA). As part of function of Credit Administration, the analyst assisted the credit officer team in reviewing and preparing credit packages for the Board of Directors or its sub-committees. Analyst also assisted with risk grade analysis and internal loan review. Annually, the analyst position would assist the Information Technology (IT) department with financial review of critical vendors for bank vendor management program.Reported directly to the Senior Credit Officer within the Credit Administration department.

Assisting in the day to day managerial responsibilities of the branch assigned to. Assisted in audits of branch to ensure proper compliance was being met per bank policy on branch operations. Assisted in meeting customer service goals led by Branch Manager. Responsibilities as Retail Loan Officer also continued in this role. Reported directly to Branch Manager.

Accepting and reviewing consumer credit applications for personal, auto, and mortgage loan requests. Analyzing of credit requests using income verifications, credit reports, and other pertinent information needed to appropriately perform risk analysis on the application for credit per bank credit policy. Also reviewed small business loan requests. Reported directly to Branch Manager.

Provided customer service to account holders. Accepted deposits, cashed checks, verified cash, accepted loan payments, and issued monetary instruments. Answered bookkeeping calls and helped customers solve account problems. Filled in for vault teller when asked by management.As a customer service representative: opened checking accounts, money market accounts, interest checking accounts, savings accounts, certificate of deposits, Roth IRAs, Traditional IRAs, and assisted customers in financial problem solving.Training was also received to take personal loan applications. Also received management training to learn how to operate a branch and perform the day-to-day responsibilities of a branch manager.

Administrating office responsibilities when Branch Office Administrator is not in the office. Assisting Investment Representative when help is requested. Updating contact information of clientele and assisting in the marketing of branch. Reason for leaving was to move to Greensboro, NC to pursuit Bachelor's Degree in Finance at UNC-G.