Tackle the rigor of researching and writing analytical reports and present them to a global audience. Analyze and dissect the financial profile of the municipality and present to a committee of peers including senior management explaining the industry trends, issues, and developments as it applies to S&P criteria. Have worked across sectors as a Healthcare Analyst and State and Local Government Analyst as Associate Director.Selected accomplishments:• Rapid pick up on credit surveillance on a rating portfolio. Review and analyze up to 120 credits annually• Present more than 100 credit finding and opinions to credit rating committee• Prepare thought innovative commentary with internal teams and deliver to S&P credit global outlook and trends• Train others in credit analysis as it pertains to S&P criteria

Monitored portfolio of $50M and reported findings to credit committee. Prepared, analyzed and recommended complex loan requests to credit committee. Selected accomplishments:• Managed a risk portfolio while keeping write offs and non-earning assets to a minimum• Maintained knowledge of economic, legal, and regulator developments affecting areas of responsibility

Oversaw portfolio of $70M of asset based loans and cash flow to healthcare providers. Prepared and recommended loan requests to the Credit Committee. Maintained knowledge of economic, legal, and regulatory developments affecting areas of responsibility. Selected accomplishments:• Summarized and monitored $68M portfolio of 12 loans resulting in less than 10% loan loss• Negotiated payoff asset based loan settlement of less than 5% and not the expected loss of 30%• Exceeded fee income goals by 30%• Consistently increased negotiating higher interest rates and fee income

Compiled and studied financial information for loan requests approval. Monitored loan advance requests and collateral status while reviewing documentation for accuracy.

Scrutinized credit and loan approval and documentation process for quality assurance. Collected data relating to loan requests and assisted the Banking Officer in the finalizing approval. Participated in the Commercial Banking Development Program that led to Banking Officer promotion.