Bailey Walker, Mba Email & Phone Number

Remote

• Responsible for analyzing and evaluating numerous large and complex commercial and real estate loan applications. • Analyze, interpret, and present financial information to make credit decisions and recommendations.• Servicing and maintaining existing large loan portfolio, including commercial and real estate loans through frequent contact with customers. • Review all pertinent credit and financial information; determine the need for more thorough investigation or additional information; analyze information statement and related material; prepare summaries, present facts, and offer opinions concerning credit-worthiness.• Prepare spreadsheets of financial statements, e.g., balance sheets and income statements. • Actively pursue new business through organized marketing and business development programs.• Input all required data into the loan origination and loan processing systems.• Determine and review legal documentation.• Communicate Association credit philosophy and stock requirements to customer. Communicate and promote the availability of loan products and other financially related services.• Represent the Association at public functions.• Conduct credit training and development programs for staff.

Nampa, Idaho

● Effectively and proactively manage a large portfolio of diverse customers to assure timely resolutions. ● Analyze, interpret, and present financial information to make credit decisions and recommendations.● Maintain data and file documentation.● Shadow/service large OAEM accounts.● Prevent losses on high risk accounts by active portfolio management and sound credit decisions.● Manage customer relationships by meeting with and negotiating terms and conditions.● Develop/Maintain effective internal relationships by collaborating with the Lending Group to assure sound risk management and guidance for high risk credit relationships with potential of downgrade to an adversely classified loan classification.

•Manage a large, diverse, portfolio of loans to numerous borrowers.•Responsible for analyzing and evaluating numerous, large, and complex commercial and real estate loan applications and all pertinent credit and financial information and supporting documents.•Prepare summaries, present facts, offer opinions concerning credit-worthiness, and recommend approval or denial of loans.•Manage, service and renew commercial and real estate loans with frequent contact with customers•Actively pursue new business through organized marketing and business development programs.•Interview loan applicants; prepare loan applications, financial statements and budgets.

•Manage a portfolio of loans in the company's special assets division. •Analyze and make credit decisions on customers with loans of varying size with a delegated approval authority. •Maintain a high level of customer service and communication to create and maintain long term financial relationships with customers.•Prevent losses on loans to customers in struggling financial positions by restructuring debt, foreclosing on property, and working with attorneys to discuss legality of loan terms and conditions.•Perform field visits to customers’ property to confirm collateral presence and condition.

•Spread and analyze financials.•Write credit summaries.•Make credit recommendations for multiple relationship managers on a portfolio of multi-million dollar participated loans in Risk Management.•Perform credit investigations on current and prospective customers including: Credit Bureau reports, public record searches, lien searches, and property tax investigations.•Create and set up loans.

San Luis Obispo, California Area

•Direct and supervise 15 employees engaged in sales, inventory-taking, and performing services for up to 500 customers. •Work with floor manager to maintain store sales at approximately $65,000 a month.•Implement department policies, goals, objectives, and procedures.

•Input and analyze customers’ tax returns, profit/loss statements, income statements, and balance sheets.•Perform credit investigations on current and prospective customers including: Credit Bureau reports, public record searches, lien searches, and property tax investigations.•Create and set up loans.

Bachelor Of Science (B.S.), Accounting And Finance

Activities and Societies: Member of Triathlon Team, March Triathlon Series Director of Sponsors and Athletes AreaFinance degree with minor.

Master Of Business Administration (M.B.A.), Business Administration And Management

MBA and Marketing Certificate

High School Diploma

Activities and Societies: National Honors Society, The Mona Foundation, Student Council, Teens Against Tobacco Use, Varsity Volleyball.