Beth Spears Email & Phone Number

Louisville, Ky, Us

Louisville, Kentucky Area

Proactively managed a diverse $100 million commercial loan portfolio of over 100 customers with focus on accurate risk analysis by identifying trends / weaknesses in the portfolio.-Successfully achieved annual goals of risk rating accuracy, quality of financial analysis, and internal customer satisfaction for 3 years in a row.-Granted loan approval authority up to $5 million based on borrower’s risk grade and loan exposure.-Prepared approval, commitment and proposal documents for commercial relationships ranging in size from $500,000 to $15 million for all lending groups (i.e. Middle Market, Commercial Real Estate, and Public Funds).-Provided initial risk rating, recommended appropriate credit structure and provided guidance on policy issues. -Participated in documentation process including the identification of covenants, customer meetings and recommended alternative credit structures. -Assured regulatory compliance with focus on appropriate due diligence through annual reviews of complex commercial relationships over $500,000, monitored covenant and borrowing base compliance, completed trend analysis reports and addressed loan default situations.-Partnered with Relationship Manager in maintaining relationships with ongoing dialogue with borrowers, business owners and CFOs.-Key testing team member on upgrade of Moody’s financial software for ease of spreading complex financial statements provided by the borrower.

Prepared credit memorandums for new loans, renewals, and annual reviews for borrowers with loans ranging from $500,000 to $15 million from all lending groups; which includes the preparation of approvals by the Executive Loan Committee.•Held responsibility for spreading complex financial statements, maintaining accurate risk ratings for commercial loans and recommending upgrades and downgrades when appropriate.•Assured regulatory commercial compliance, which included quarterly review of 20% of loan portfolio for Regulation H, Regulation B, and flood reporting errors and instructing the documentation group.•Trained new Credit Analysts and Bank Associates in all aspects of commercial lending and financial statement analysis.•Prepared monthly borrowing base, statement tracking, and letter of credit reports to ensure quality control within the organization.

Prepared various reports for Senior Management including reports for Bi-Weekly Loan Committee Meeting and Monthly Board Meetings.