Assisting as needed when other team members are absentAnalyze and underwrite SBA loans specializing in the veterinary and dental industriesPerform site visits to inspect practices and meet borrowers Prepare SBA documentation for borrower’s signatures Assisted in documenting and closing of loansReviewed (as needed) legal documents such as purchase agreements, stock redemption agreements, leases, non­competition agreements, operating agreements, etc.

Contractor – Portfolio Management GroupEnsure compliance with policies and procedures through preparation of annual reviews or asset quality reports for assigned portfolio.Reflect increases/decreases of credit risk within assigned portfolio by assigning new risk ratings based on firm credit analysis.Identify potential syndication opportunities for particular problem leases on an industry and geographical basis and make recommendations.Recommend grand or deny requests for "rent holidays" and modify lease payments as necessary. Prepare documents memorializing modifications to lessee's payment stream.Analyze asset quality and other portfolio information, and prepare concise reports communicating findings. Assist in gathering and reviewing information to facilitate internal and external reviews and examinations Order desktop and/or on­site appraisals of collateral or leased equipmentIdentify industries and lessees experiencing credit deterioration.Review, modify, waive, and renegotiate loan/lease covenants as necessary. Collect fees or waivers. Prepare documentation for charge offs, write downs and for placing credits on non­accrual status

Interviewed borrowers in order to properly prepare annual credit reviews and payment deferment requestsRecommended changes in risk grades to ensure appropriate reserve levels Prepared franchisor reviews including in­depth analysis of the concept Conducted annual file reviews to assess asset qualityAnalyzed current, historical and projected financial condition and repayment capacity of all types of borrowersPrepared credit application memos for senior management which conformed to company and SBApolicies/procedures

Analyzed current, historical and projected financial condition and repayment capacity of all types of borrowers Prepared credit application memos for senior management which conformed to company and SBApolicies/proceduresProvided insight to senior management as well as business development managers on structure and credit risks of potential loan clientsAssisted in documenting and closing of loansReviewed legal documents such as purchase agreements, stock redemption agreements, leases, non­competition agreements, operating agreements, etc.

Pre­qualified all potential loans submitted to the Western Region to determine SBA eligibility and credit risk, usually within one hour of receipt in most cases (about 5­6 daily)Lending authority up to $2,000,000Reviewed about 100+ loans a month, approximately $500,000,000+/annuallyHired/trained/managed 15 underwriters and successfully coached underwriters to meet productivity and quality goalsAssisted in training new relationship account managers, sales managers, and credit underwritersHelped to establish/update credit policies with senior credit staffPrepared for internal/external audits by reviewing/writing policies, procedures, etc.

Consistently had the highest underwriter productivity (about 136 decisions during 2005) Lending Authority up to $1,000,000Traveled to various banks to review loan portfolios for CIT to purchaseMaintained productivity of over 150% per quarter for over five yearsReceived the President Award in recognition of Above & Beyond Performance 2000 and various other awards for productivity throughout the years

Commercial Loan OfficerCoordinated the establishment of a branch budget and goals including implementation of programs to meet and exceed budget requirementsPerformed monthly budget variance analysis for branchAnalyzed, approved and closed all types of consumer loans

Commercial Loan OfficerTransferred to Denver CO from Angola IN to assist in the transition of a newly purchased bank holding company into Key BankSelected as one of twelve employees in corporation to attend Corporate Credit Camp in NY Specialized in middle market lending, non­profit lending, small business loans and agricultural loans Prepared and presented bank products in a formal setting to senior management of larger companies and boards of directorsVarious awards for achieving sales goals

Researched and wrote the commercial loan policy manual for National Bank of WayneReviewed loan portfolios monthly to determine loan loss reservesWorked out loan restructures for borrowers who could not repay their loans with maximum recovery and minimum loan losses.Implemented collection strategies and action plans to resolve credit problemsPerformed collection calls on large small ticket leasing portfolioConducted negotiations and represented the bank with legal counsel in workout situationsAnalyzed, approved and closed consumer loans