Beth Spears Email & Phone Number

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.

• 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.
• 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.