Bridget Clark, Mba Email & Phone Number

Kansas City, Mo, Us

Overland Park, Kansas

SBA underwriter team leader, responsible for leading and developing the SBA underwriting team, with a focus on client service working to achieve and exceed operational and service expectations. Use knowledge of SBA and conventional lending as well as critical analytical skills to underwrite, structure and originate government guaranteed small business loans. Gather information, perform credit analysis, prepare written credit presentations for internal and external audiences, assure compliance with SBA Standard Operating Procedures, and work with other team members to complete the process for approval and closing of SBA-guaranteed small business loans. Key Accomplishments:  Lead the SBA Underwriting team, which consists of seven underwriters. Utilize delegated lending authority to review and approve SBA loan requests.

Omaha, Ne

I managed the newly formed Core Bank SBA Credit Department. On a daily basis, I provided credit decisions and recommendations for complex SBA loan requests, along with underwriting loan modification requests, SBA loan servicing requests and credit risk rating analysis for the SBA loan portfolio. Utilizing my 18 years of commercial lending experience and SBA knowledge, I assisted SBA Loan Officers and bank clients with loan structure and loan compliance with the SBA SOP and Bank regulations. Additional underwriting responsibilities included completing borrower eligibility under the U.S. Small Business Administration guaranteed loan program, identified positive and negative borrower trends, and presented loan presentations to loan committee for final decision. I am responsible for developing the internal Bank SBA Loan Guidelines, as well as standard procedures for the SBA Credit Department.

Leawood, Ks

I managed and lead a group of SBA Credit Analysts and Underwriters for Alterra Bank. On a daily basis, I provided credit decisions and recommendations for complex SBA loan requests, along with reviewing and approving SBA loan disbursements, loan modification requests, SBA loan servicing requests and credit risk rating analysis for the SBA loan portfolio. I assisted SBA Relationship Managers/ Portfolio Managers and bank clients with loan structure and loan compliance with the SBA SOP and Bank regulations. I also provided credit underwriting services utilizing SBA-guaranteed loan products for Alterra Bank relationship management team. Additional underwriting responsibilities included completing borrower eligibility under the U.S. Small Business Administration guaranteed loan program, identified positive and negative borrower trends, and presented loan presentations to loan committee for final decision. On a regular basis, I provided on-going credit and SBA training to Credit Analysts, Underwriters, and the entire SBA team. I was responsible for developing the internal Bank SBA Loan Policy, SBA Underwriting Guidelines, and standard procedures for the SBA Credit Department.

Kansas City, Missouri Area

I provided Commercial and Small Business underwriting services utilizing SBA-guaranteed loan products for the NBH Bank, N.A. banking centers and commercial relationship management team.Some of my other job duties included:Gathered and spread financial information, analyzed credit worthiness, completed borrower eligibility under the U.S. Small Business Administration guaranteed loan program, identified positive and negative borrower trends, and completed and decision loan presentations utilizing delegated loan authority.Presented loan presentations to executive credit officers for final decision if aggregate loan request exceeded delegated lending limit.Managed assigned SBA loan portfolio, including loan renewals, modification and annual reviews, past due account management, and determining proper risk ratings for loan relationships.Provided SBA training to the banking center and commercial relationship management team, and consulted with the banking center managers and commercial relationship managers to properly structure and price proposed SBA-guaranteed loan requests.Assisted with development of internal policies and procedures for the NBH Bank Credit- Alternative Loan Products Group (SBA) department.

Kansas City, Mo

My job duties were similar to my SBA Senior Approval Officer duties, with a few additional requirements, including:Provided commercial underwriting services for assigned Kansas City Relationship Management team, with experience in commercial real estate, C&I, SBA, and Small Business lending.Called on current and prospective clients with Relationship Managers to gather data and build trusting client relationships.

Kansas City, Missouri

My job duties included:Reviewed commercial and consumer loans to ensure credit quality and standards were in compliance with internal bank policy and OCC regulations.Reviewed loan documentation to ensure all legal documents were properly executed to reduce credit risk.Reviewed loan risk ratings and identify potential problem loans.Provided risk assessment of the bank’s loan portfolio and recommended changes to internal loan policies and procedures as needed.Designed and implemented the monthly Loan Officer Delegated Authority Review, as assigned by executive management. Presented review findings and made recommendations to executive bank management and account officers on a monthly basis.

Kansas City, Mo

I was one of two business loan underwriters in the Small Business Banking department that served as centralized underwriting for 135 UMB branches. In 2009, I processed 776 loan applications, of which approved $27 million and booked $15 million.My job duties included utilizing my delegated lending authority to decision loan requests, and presented to loan committee for final loan decision if loan request exceeded delegated lending limit.I also processed Preferred Lender SBA-approved loans to determine SBA eligibility and prepared SBA loan documentation for loan closings.I performed risk assessments of the Small Business Department’s loan portfolio and recommended changes to internal Small Business loan policies and procedures as needed. I performed annual reviews and renewals for existing loan portfolio to determine credit risk and ensure credit had not deteriorated.I became an advisor/mentor to Small Business Relationship Managers in regard to loan products, structuring, decisions, and customer communication.

St. Joseph, Mo

I was responsible for new business loan development and expansion of existing loan relationships.My daily duties included managing a $3 million loan portfolio, originating and underwriting new commercial loan requests, underwriting and renewing existing loans, and performing collateral inspections. I was responsible for loan preparation and closings including ordering third-party appraisals, title work, environmental reports, and loan documents.

Kansas City, Mo

I managed the daily buying and selling of mutual funds for twenty-three 401 (k) and profit sharing retirement plans. I was also responsible for preparing and managing 401 (K) loans, loan consolidations, and life insurance policies for retirement plans.

Moberly, Mo And St. Joseph, Mo

I began my Banking career the day after graduating from high school in 1996. I became a part-time bank teller for Commerce Bank in Moberly, MO for two years, until I transferred to the St. Joseph, MO location when I transferred to Missouri Western State University in 1998. As I teller, I assisted clients with depository transactions, money order and cashier's check transactions, assisted in the Safe Deposit area as needed, and was responsible for balancing my cash drawer at the end of each business day.

Mba, Business

Graduated in May 2012 with a 4.0 GPA.

Bs, Management

BS in Business Management/Finance Emphasis