Beth Germain Email & Phone Number

Toledo, Ohio Area

Sylvania, Ohio

Supported the commercial lending function by spreading and analyzing borrowers’ interim and year-end financial data on a timely basis for a portfolio of approximately 100 clients.Prepared Trend Analysis Reports and Risk Rating Models that helped Credit and Sales teams accurately price loans to reflect the appropriate levels of potential risk Provided timely information that allowed management to work with struggling clients and minimize loss and charge-offs by reducing exposure… Show more Supported the commercial lending function by spreading and analyzing borrowers’ interim and year-end financial data on a timely basis for a portfolio of approximately 100 clients.Prepared Trend Analysis Reports and Risk Rating Models that helped Credit and Sales teams accurately price loans to reflect the appropriate levels of potential risk Provided timely information that allowed management to work with struggling clients and minimize loss and charge-offs by reducing exposure, restructuring loan terms or exiting relationships.Provided accurate testing of financial covenants and reported violations to Credit and Sales team to document if clients were in compliance with loan terms and requirements.Evaluated clients’ borrowing base reviews to confirm adequate collateral levels were consistently preserved. Maintained the integrity of the client document tracking database for assigned loan portfolios, and ensured accurate loan grades are reported on bank systems. Trained new staff members on department policies, procedures, and analysis resources.Provided analytical support and assisted other departments in maintaining a timely workflow process during periods of reduced staffing Show less

Planned and performed audits of various bank areas including evaluations of internal controls, accounting procedures, and testing details of financial statement accounts; tested for compliance with various consumer laws and bank policies; summarized audit finding and developed recommendations; interfaced with outside auditors in their certification of the bank’s year-end financial statements.