Bill Kelly Email & Phone Number

Metro Atlanta, Ga

SBA Underwriter - Passionate about underwriting, credit analysis, deal structure, loan servicing and covenant testing of SBA loans (new loans and renewals). Experienced in independently analyzing credit requests for viability of repayment sources, risk ratings, documentation requirements and collateral quality. Strengths include well-articulated conclusions concerning cash flow quality, debt service coverage, risk ratings, financial analysis, identification of loan weaknesses and loan… Show more SBA Underwriter - Passionate about underwriting, credit analysis, deal structure, loan servicing and covenant testing of SBA loans (new loans and renewals). Experienced in independently analyzing credit requests for viability of repayment sources, risk ratings, documentation requirements and collateral quality. Strengths include well-articulated conclusions concerning cash flow quality, debt service coverage, risk ratings, financial analysis, identification of loan weaknesses and loan documentation issues. Other strong skills include:• Complex credit requests• Overall lending concepts or "big picture"• Loan documentation accuracy• Compliance with policies & procedures, and government regulations• Attention to detail• Risk rating accuracy• Financial ratios• Quarterly criticized/classified asset reviews• Quality and soundness of loans and loan portfolios• Accurate analysis conclusions• Responsible for entire credit approval process• Microsoft Office: Word, Excel• Clear and concise written and oral communication skills• Collaborative team player• Ability to prioritize and manage multiple tasks concurrently - multi-task Show less

Greater Atlanta Area

Senior Credit Analyst / Commercial Underwriter of new and renewing commercial loans. All loan types included in experience where sales/revenue is of a commercial or business nature and of personal HELOCs. Also underwriter of loan servicing reviews and covenant compliance checks. Private Bank of Buckhead is a subsidiary of National Bank of Commerce based in Birmingham Al.

Greater Atlanta Area

Underwriter of new and renewing business and commercial loans. Started with The Bank of Georgia in June 2015. Fidelity Bank is now the successor bank, as of September 2015, to The Bank of Georgia. Also underwriter of loan servicing reviews and covenant compliance.

Performed loan review and due-diligence assignments as requested. Assessed borrower credit risk, risk-rating accuracy, cash flow & debt service coverage, underwriting quality, bank policy and regulatory compliance, and prudent lending standards compliance.

• Evaluated credit risk in assigned loan portfolios that included many different loan product types.• Drew credit risk conclusions in a clear and concise manner based on risk assessments of individual loans and trend analyses. • Assessed borrower credit risk and identified documentation problems including regulatory and credit policy compliance concerns. Experienced in approving credit grade assignments.• Consulted with executive management to implement procedures to address… Show more • Evaluated credit risk in assigned loan portfolios that included many different loan product types.• Drew credit risk conclusions in a clear and concise manner based on risk assessments of individual loans and trend analyses. • Assessed borrower credit risk and identified documentation problems including regulatory and credit policy compliance concerns. Experienced in approving credit grade assignments.• Consulted with executive management to implement procedures to address identified concerns. Effectively worked with all levels of the organization.• Wrote concise one-page summaries on each credit downgrade to “Special Mention” or “Substandard”. Wrote short bullet point comments on all other credit grade changes.• Applied a practical approach to credit grade assignments and structure issues. Excellent methods were used to explain observations.• Negotiated with internal lenders and approved action plans for renewing, modifying, and servicing “special mention” graded relationships experiencing financial distress. Negotiated with internal lenders modification of hundreds of financially distressed loans. Show less

Bs, Accounting

Ba Political Science, Politics

Education record