Susan Imhoff Email & Phone Number

United States

• Analyze financial statements; study and evaluate the information and prepare written reports for the Lender and/or Loan Committee. • Review loan applications and analyze credit information to make a general assessment of customer’s creditworthiness. • Conduct in-depth review of balance sheet and profit and loss statements presented by applicants for large commercial loans or lines of credit, and use Moody’s or Sageworks spreadsheet software for evaluation. • Analyze appraisals of real estate to determine if the bank is adequately collateralized. • Assess liquidity, quality of management, market position and overall business/economic climate to estimate future profitability of business. • Assign or recommend risk rating to individual credits. • Complete financial ticklers and uploads related credit review documents into Arc Image.• Monitors the existing portfolio through credit review. • Complete real estate evaluations with appropriate comparable properties obtained from Co-Star or other resources which support valuations.

As a Certified Respiratory Therapist licensed in Minnesota, with additional certifications in ACLS, AMLS and BLS, I had five years of successful clinical experience including my current work experience while at Corner Medical and previous rotations at Children’s Hospital in Saint Paul, Fairview Southdale Hospital, Gillette Children’s Hospital, Regions Hospital, and United Hospital. As an RT I set-up ventilators for patients being discharged from hospitals. I also provided care consultation to caregivers, nurses and patients, including instructs on operation and usage of ventilators, CPAP and BIPAP devices and other respiratory related devices to help patients achieve their prescribed therapy goals.

Wells Fargo Business Finance, Mpls, Mn

• Performed audits on high-risk loans for various operating entities where the bank had extended multi-million-dollar lines-of-credit (secured by business assets including A/R and inventory).• Reviewed client accounting records and operational procedures to ensure conformance to accepted standards.• Verified sufficiency of the collateral and estimated value with review of financial statements, inventory and aging reports and industry liquidation expert input.• Prepared detailed reports summarizing exam findings.

Specialized Underwriting, Mpls, Mn

• Conducted credit analyses including gathering and interpreting financial, industry-specific, and pertinent economic data relating to existing commercial customers where the average direct hard exposure is > $1 million. Commercial Customers have related Corporate Payment Solutions products (i.e., Corporate Card, Purchasing Card, One-Card and PowerTrack/B2B programs).• Prepared and evaluated MFA Risk Analyst financial spreads utilizing information obtained from corporations or Edgar Online and mitigated risk.• Reviewed fund balances, balance sheets, income statements, statements of cash flow, and accompanying auditor or company-prepared notes.

Ba, Economics

Activities and Societies: AARC

Associate Of Arts And Sciences (Aas), Respiratory Care Therapy/Therapist

Activities and Societies: AARC