Benjamin Scribner Email & Phone Number

Winston-Salem, Nc, Us

Greensboro/Winston-Salem, North Carolina Area

Winston Salem, North Carolina

*Provide risk grading and loan underwriting for all credit requests, including new requests, renewals, and modifications within the assigned Relationship Manager’s (RM) regional portfolio*Support commercial RMs by advising on credit structure, pricing, risk appetite, and policy adherence*Manage risk within an assigned loan portfolio by preparing annual risk reassessments, monitoring receipt of required client financial statements, and completing covenant compliance reviews

Greensboro/Winston-Salem, North Carolina Area

*Complete Risk Rating Scorecards for Annual Risk Grade Reassessments of obligors in relationships with more than $2 million of credit exposure*Evaluate, prepare & validate CRE portfolio loan data for quarterly Comprehensive Capital Analysis & Review (CCAR)*Maintain credit file integrity by tracking collection of required financials, confirming covenant compliance, verifying liquid collateral, and ensuring loans are closed properly

Greensboro/Winston-Salem, North Carolina Area

*Underwrite existing commercial credit relationships with credit exposure >$2 Million.*Determine risk grade & exposure strategy of commercial credit clients to be validated by a senior co-approver.*Work with business lenders to assist in determining proper structure of proposed credits in order to comply with policy and minimize risk.*Act as second line of defense in reviewing new credit proposals and renewals involving commercial credit clients.

Winston Salem

*Interpret financial documents to most accurately represent the financial standing of companies & individuals with an average accuracy level exceeding 97%.*Use Moody's Risk Analyst to spread financial statements of businesses, including large companies, non-profit organizations, & government entities with total assets often exceeding $2 billion.*Work closely with Commercial Bankers, Portfolio Risk Officers & industry specialists to assist in determining the proper risk assessment of existing & potential banking clients.*Work with teams to develop & improve the credit analysis process, i.e. creating new templates for spreading specialized lending groups, writing/re-writing process manuals to ensure accuracy & consistency.*Train newer analysts to properly perform credit analysis procedures & provide guidance for understanding financials, credit, & underwriting guidelines.

Winston Salem

Winston Salem