Beth Pitzer Email & Phone Number

Atlanta, Ga, Us

Atlanta, Ga, Us

Gb

•Assessed Loan Grade Accuracy, Loan Grade Assessment, Accrual Status, Recognition of impairment/loss potential, and Troubled Debt Restructure. •Evaluated appropriate Credit Analysis for PSOR and SSOR underwriting and proper analysis of guarantors including depth of analysis, accuracy, loan exceptions and covenant set-up, and perfection of security interest.•Provided second opinions on Loan Structure as appropriate to address the risks of the loan. •Assessed the monitoring of the borrowing base and performing field audits for assets-based loans.•Ensured the proper monitoring of Appraisal/Appraisal/Appraisal Review/Environmental Review.•Alerted management to improper inspections before funding and schedules for Construction Loan Monitoring.•Re-performed Covenants to ensure accuracy and compliance with the loan agreement. Ensured compliance with policy.

Project Manager and Record Keeper. Hired and fired contractors. Performed Inspections for Draws, Kept accounting records. Compiled Financials. Submitted permits. Balanced financials to cash.

Charlotte, North Carolina, Us

•Assessed the effectiveness of exception reporting, leveraged lending, and global cash flows.•Advocated for risk rating modifications following the approval of initial underwriting.•Alerted management to regulatory concerns and potential violations, emphasizing the need for corrective measures.•Appointed to the Loan Exception Working Group. Offered recommendations to enhance credit policy underwriting exceptions, leading to subsequent implementation.

Atlanta, Georgia, Us

•Assessed the precision of borrower risk ratings for both new and existing credits, ensuring accuracy in credit evaluations.•Conducted thorough reviews of commercial and commercial real estate loans, focusing on covenant timeliness, DSCR/FCCR accuracy, cash flow analysis methodology, Appraisal Due Diligence, overall underwriting integrity, and the quality of Annual Reviews.•Executed horizontal analytical reviews during the COVID period, leading to the strategic exit of hotels from the portfolio.•Provided leadership by supervising and mentoring a team of two to four Credit Risk Reviewers, actively participating in project management, and crafting comprehensive reports.•Collaborated with a team member to establish a quality control checklist for loan review line sheets, and conducted compliance reviews of colleagues' line sheets, earning recognition from superiors for exceptional banking knowledge in credit underwriting, monitoring, and operations risk.

•Successfully secured contracts from twenty different banks located in major cities across the United States through the Office of the Comptroller of the Currency (OCC) in Washington, D.C.•Demonstrated expertise by being summoned five times to both New York and Boston for specialized assignments.•Entrusted by KPMG to focus on the New York City Metropolitan area, where I contributed by creating analytical tools, specifically spreadsheets, to validate cash flow, amortization schedules, cap rates, and debt yields. These tools were widely shared across various districts.•Developed credit assessments for commercial and commercial real estate loans, catering to the needs of both the OCC and KPMG.•Achieved exceptional precision by reconciling one loan per day with 99% accuracy for the OCC and conducting two loan reviews daily with 99% accuracy for KPMG.

Birmingham, Alabama, Us

•Assessed loan origination, underwriting, and credit administration procedures for Shared National Credits, Leveraged Loans, REITS, and Commercial Real Estate portfolios.•Expanded understanding of various loan types, including Larger Commercial loans, Regions Business Capital, Business Banking, Income-Producing Property, and Corporate Real Estate Portfolio Reviews.•Scrutinized and refined loan origination practices for Shared National Credits, Leveraged Loans, REITS, and Commercial Real Estate.•Deepened knowledge of diverse loan categories, encompassing Larger Commercial loans, Regions Business Capital, Business Banking, Income-Producing Property, and Corporate Real Estate Portfolio Reviews.•Conducted comprehensive reviews of loan origination, underwriting, and credit administration procedures, with a specific focus on Shared National Credits, Leveraged Loans, REITS, and Commercial Real Estate portfolios.

•Appointed as Secretary of the Risk Management Committee at a bank in Harrogate, aiming to reduce significant findings in examination reports and enhance Asset Quality to positively impact the overall CAMELS rating.•Compiled and crafted examination report responses for the State of Tennessee and FRB at a bank in Harrogate, gaining approval from the Bank President.•Conducted advocacy and research for a client in Harrogate on various regulatory issues, including non-accrual, ALLL, insider activities, appraisals, and purchased loans.•Proactively completed credit analysis for assigned loans ahead of schedule at the OCC, assisting the loan manager in the comprehensive evaluation of credit risk management and credit underwriting.•Offered guidance to four large public banks through DeMatteo Monness, LLC as a consultant, advising on new liquidity and capital requirements in accordance with the Dodd Frank Act.

Atlanta, Georgia, Us

(90 Banks closed in Georgia)•Designated as a highly proficient Safety and Soundness Examiner by the prestigious Board of Governors.•Demonstrated exceptional efficiency by completing the program in a remarkably swift 2 1/2 years, a notable contrast to the typical 5-year duration for associate examiners. Furthermore, achieved success in the challenging Commissioning Exam on the very first attempt.•Exercised adept management skills by overseeing and supervising up to 16 Examiners across diverse roles such as Asset Manager, Examiner in Charge, and Operations Manager.•Showcased strong communication and analytical abilities through the creation of comprehensive examination reports. Effectively conveyed findings to the Bank Board of Directors within stipulated timelines.•Spearheaded a pioneering effort in knowledge transfer by developing and implementing on-the-job training materials.

(Bank was sold) •Created an infrastructure where every department successfully completed a Risk Management Inventory, obtained management attestation to their department's internal controls, and established a project plan to validate independently the inventories on a quarterly basis that resulted in decreased workload by the corporate auditors in Newark, New Jersey.•Managed two annual FDIC Improvement Act reviews and streamlined the process to allow for self-assessment as outlined in the risk management inventory, which reduced the hours allocated from 1,200 to 600 annually.•Actualized a project plan to ensure the completion of a Risk Management Inventory, which provided a management declaration regarding adherence to department’s internal controls and validated the inventories on a quarterly basis.•Led a vendor management initiative with senior management in operations, legal, and compliance that resulted in the completion of the Contract Management Policy and Procedures with Risk Management Committee approval.•As Secretary of the Risk Management Committee, requested by President to help Loan Committee run their meetings using the same methodology.•Recognized by the external auditors for resolving complex risk and control issues in the Trust Department. Alerted senior management to a product that was not strategically aligned, from which the bank exited in 2000, and was appointed to the Trust Administrative Committee for partnering with the area executive to resolve issues.•Generated the first General Accounting, Trust, and Information Technology programs within the organization.

Atlanta, Georgia, Us

Senior Accountant (1996)•Notable distinction specific to the effective reconciliation of undervalued and challenging accounts.Audit Officer (1993 – 1996)•Selected to support the external auditors in completing the Trust Fund and Administration Review projects.•Developed a risk assessment plan for the IT area that received a “top” rating from the Office of the Comptroller of the Currency.•Established audit programs for the brokerage subsidiary and the mortgage subsidiary, and used these initiatives to review Bank Holding Inter-company transactions.Key Achievement•Sanctioned distinct efficiency recommendations for bank operations, which led to approximately $100,000 in cost savings to the company.

Jacksonville, Florida, Us

Bachelor’S Degree, Finance And Economics

Post Graduate Work - Accounting

Commercial Real Estate / Real Estate