Beth Mcbrayer Email & Phone Number

Knoxville, Tennessee Area

-Manages team of Portfolio Managers, Analysts and Admin Assistants with focus on portfolio and process quality of $300MM+ specialty commercial loan portfolio.-Supports Market President to drive topline revenue.-Partners with Risk Management to ensure best in class credit quality.

Hixson, TN

• Prepares credit analysis on commercial transactions across all types of borrowers and deal justification.
• Develops credit guidance and best practices for growing bank.
• Creates resource tools and training curriculum for credit underwriting teams.

Chattanooga, Tennessee Area

• Works with management to determine credit training needs and recommended solutions to associate performance issues.
• Researches the current trends in the topic area, shares this with Client partners, and synthesizes these findings to support learning objectives.
• Keeps current with the changes in the financial services industry.
• Helps to assess and provide feedback regarding associates acquisition of knowledge and skill at the completion of training; and recommends additional self-development or training activities to promote skill development.
• Designs learning item based on accurate, current information consistent with sound theories and principles of adult learning.
• Writes learning objectives that are based on participant’s level of knowledge and experience and area descriptive of desired outcomes.

Chattanooga, Tennessee Area

• Managed the ongoing portfolio management (past due maturities, triggers, and discrepancies) within Real Estate Banking (REB) for the Arkansas/Tennessee region.
• Trained the newly hired underwriter associates how to underwrite a new or renewed transaction by guiding them through the approval package process from the beginning to the end.
• Managed the quarterly credit servicing process in Tennessee REB by reviewing and editing all credit servicing reports before they are submitted to credit.
• Ensured the approvals (Credit Approval Packages, Renewals, & Amendments and Exceptions) are completed in a timely manner by working closely with the Market Manager and the Credit Officer.
• Lead all special projects within TN REB to improve efficiencies and effectiveness of processes.

Chattanooga, Tennessee Area

• Assist in managing a $300 to $400MM portfolio consisting of approximately 40 relationships.
• Prepare credit approval presentations for new and existing clients for various loan requests for projects ranging in size from $5MM to $100MM.
• Meet clients along with relationship manager to discuss credit opportunities and banking needs.
• Reviews Loan Agreements prior to loan closings, in order to ensure the stipulations therein (including covenants, required completion dates, etc.) are in agreement with the loan’s approval document.
• Prepares global sponsor analyses and relationship strategies.
• Structures new loans, in conjunction with the Relationship Manager. This activity includes the determination of the loan amount, the setting of financial covenants, and the establishment of the guaranty structure.

Chattanooga, TN

• Managed 5 employees across two Commercial Real Estate office locations (Knoxville & Chattanooga) which include monitoring the workflow assignments.
• Train employees in financial analysis, portfolio management, loan approval process, real estate evaluation and construction administration. RMA Certified as of June 2011.
• Prepare department reports for East TN credits and monitor the past dues, maturities, deliverable triggers, internal benchmarks, and covenants.

Chattanooga, TN

• Analyze and interpret financial information of corporations and individuals using various types of statements including audited statements, company prepared statements, personal financial statements and tax returns.
• Calculate and analyze cash flow and interpret financial ratios such as debt to income, loan to value/cost, debt service, net worth and more.
• Evaluate viability of commercial real estate projects by performing tenant analysis, lease reviews, cost-benefit analysis, site assessment and market research..
• Administer procedures, funding and budgeting for approximately 30 commercial real estate projects under construction.

Greater Nashville Area, TN

• Served as primary link between finance and sales, ensuring all parties are knowledgeable and comfortable with financial models and assumptions.
• Gathered financial data and ran profitability analysis models on potential deals.
• Presented analysis to senior management and recommended for approval.
• Facilitated commission analysis for sales team.

Memphis, TN

• Researched, analyzed, and resolved issues relative to retirement plan account activity, including loans
• Assist management in the development and implementation of daily policies and procedures to promote accurate and efficient practices within the department.
• Researched and reconciled activities relative to federal and state tax filings.
• Reviewed and audited daily processing activities, present findings to management.
• Compiled data to formulate and generate audit reports.
• Determined issue resolution for discrepancies identified in audit reports.

Charlotte, North Carolina Area

• Coordinated the flow of financial information from 30 client debtors in the telecommunication and media industries to First Union Capital Markets Portfolio Management Vice Presidents.
• Compiled financial statements and budgets from data prepared by clients.
• Forecasted future operating performance based on budgets and actual results.
• Interacted daily with the trade desk, corporate finance, loan underwriting, and the portfolio valuation group to identify industry trends in the telecommunication and media industries.
• Analyzed creditors financial risk and trend variances through annual and quarterly reviews.
• Presented recommendation analysis to management for approval or denial on amendments and waiver violations.

Charlotte, North Carolina Area

• Coordinated the branch hiring process and employee reviews.
• Ensured payments were processed in timely manner

Charlotte, North Carolina Area

• Handled bankruptcy and repossession portfolio by interacting daily with outside attorneys to pursue lawsuits and execute judgments.
• Negotiated payment arrangements for automobile loans with clients
• Increased recovery of monies by 33% by tracking client leads.

Bachelor'S Degree, Finance, General, Cum Laude

Activities and Societies: - Alpha Kappa Psi (National Business Fraternity) -Golden Key National Honor Society -Gamma Sigma Sigma (National.

Master Of Business Administration - Mba, Business Administration And Management, General

Business Administration And Management, General

Activities and Societies: -Alpha Omicron Pi - Rho Delta, original member