Trey Aston Email & Phone Number

Charlotte, North Carolina, United States

Charlotte, North Carolina, United States

A Portfolio Analyst is responsible for the underwriting of new/existing loan relationships in the bank's commercial loan portfolio. Analyst works on all underwriting, covenant testing, problem asset reports, and annual loan reviews for the lending team that they are assigned to.

Chesapeake, Va

o Manage active commercial & residential construction and development loans in the REFG portfolio.o Underwrite new money requests & renewals for assigned members.o Manage facility/loan maturity reports, credit monitoring reports, and loan exception reports for the assigned members in the REFG portfolio.o Coordinate with our Credit Support Group for the updating of member financial spreads and cash flow analysis.o Order new & updated appraisals, as needed, with new money requests or renewals.o Manage inventory spreadsheets for our residential builders to monitor specifics of our exposure (lots, contracts, and speculative & model homes).

Suffolk, Virginia

Small Business Group Underwriting• Underwrite LOC renewals for operating companies with revenues of up to $10 million, specific product limits allow for requests up to $750,000 or $1,000,000 for owner occupied commercial real estate, and overall exposures generally limited to $5 million• Generate debt service coverage models for each business and corresponding guarantors using Microsoft Excel• Process loan renewal applications through Baker Hill Origination and obtain approval from appropriate credit administrator.Streamline LOC Renewals• Responsible for the process to streamline line of credit renewals which consists of LOCs up to $50,000 secured by business assets and LOCs up to $100,000 secured by conforming real estate• Generated trigger charts and line of credit (LOC) usage graphs for each LOC using BankWay’s A2i system• Produced loan summaries for each business’ LOC using Baker Hill Advisor• Generated a loan change authorization using a Microsoft Access database upon renewal

Suffolk

Streamline LOC Renewals• Responsible for the process to streamline line of credit renewals which consists of LOCs up to $50,000 secured by business assets and LOCs up to $50M secured by conforming real estate• Generated trigger charts and line of credit (LOC) usage graphs for each LOC using BankWay’s A2i system• Produced loan summaries for each business’ LOC using Baker Hill Advisor• Generated a loan change authorization using a Microsoft Access database upon renewal

Suffolk

Streamline LOC Renewals• Responsible for the process to streamline line of credit renewals which consists of LOCs up to $50,000 secured by business assets and LOCs up to $50M secured by conforming real estate• Generated trigger charts and line of credit (LOC) usage graphs for each LOC using BankWay’s A2i system• Produced loan summaries for each business’ LOC using Baker Hill Advisor• Generated a loan change authorization using a Microsoft Access database upon renewal

Suffolk, Va

• Reviewed business financial statements to compile spreads through Baker Hill Advisor and create personal cash flows using Excel in connection with business loan requests.• Each month, updated the stock-secured loans in bank’s core system, BankWay, and Baker Hill Advisor.

Suffolk, Va

• In connection with a new regulatory requirement from the FDIC, implemented a procedure to compile a list of loans to be “stress tested”. • Responsible for identifying and correcting inconsistencies with loan documentation in the bank’s computer system.• Used Fortis Edit Station to locate and update loan files

Suffolk, Va

• Processed payments from national insurance agencies to Eastern Virginia Medical School.• Scanned personal checks into the bank computer system for crediting and debiting through remote deposit system. Keyed in amounts for scanned checks using AFS Vision.• Sorted and processed UPA (United Property Associates) homeowners’ association payments.

Suffolk, Virginia

Bachelor Of Science (Bs), Finance, Investment Management

Management Development Program

The VBA Management Development Program is a five-month, comprehensive training designed for newer employees who have developed a passion.

Leadership Exploration And Development Program