Provided support to commercial relationship managers and the Bank's clients. Performed detailed credit analysis of commercial loan requests to include C&I, commercial real estate, asset based lending, GOVCON, SBA 504 and VA Small Business Finance Authority for new credit request, renewals and annual relationship reviews. Collected & tracked financials for new, maturing & annual loans reviews. Acted as conduit between the relationship manager and borrower to ensure needs were met efficiently and timely. Additionally, worked closely with borrowers and the Credit team and construction department to ensure loan(s) were set up properly for draw requests, inspections, title, etc. related to commercial projects & associated budgets. Mentored junior portfolio managers and junior loan officers as needed.

Performed credit analysis of commercial loan requests, including C&I, commercial real estate, asset based lending, GOVCON, SBA 504 and 7(a) packages for new credits, renewals and annual relationship reviews. Prepared detailed credit memorandum analysis supported with financial statement spreads, key financial ratios and business and personal cash flows of guarantors/owners. Mentored junior analysts and back-up support to internal appraisal department.

Performed analysis of small and mid-size commercial loan requests for real estate and C&I loans with emphasis on utilizing guaranteed lending programs of the Small Business Administration and the Virginia Small Business Financing Authority. Prepared and analyzed financial spreads, ratios, business and personal cash flows and compiled credit memorandums for relationship managers. Prepare monthly 1502 Colson Report. Work directly with commercial lending team to assist with loan structure and pre-screening. Member of Business & Consumer Banking project teams for identifying and implementing loan decisioning software for business & consumer lending business lines.

Implemented federal and state guaranteed loan programs, while serving as internal coordinator for Small Business Administration and Virginia Small Business Financing Authority for the Bank. Developed action plans, policies, procedures, internal controls and provided sales training to client action teams. Loan screening and credit analysis of guaranteed loan requests.

Worked directly with Chief Loan Officer and Executive Vice President of $1 billion community bank. Assisted with preparing loan packages, wrote credit memorandums and performed credit underwriting. Served as liaison between Executive and line managers. Underwrote employee loans, prepared loan committee packages and scribed minutes. Provided administrative support to Executive and assisted with coordination of board meetings and director committees. Performed loan closings, cross sold bank products and provided client service to bank clients. Worked on multiple special loan and credit projects as requested.

Worked with Chief Loan Officer and Credit team on various projects including loan platform documentation software upgrade and training, bank loan policy updates and credit procedures. Worked with outside consultants and senior managers during restructure of credit administration team; led a team to implement the organization’s Privacy and Information Security program; worked with the secondary market mortgage team to assist with transition of operations staff, refine processes and procedures and assist with HMDA reporting. Worked with the bank’s management team and outside vendors to relocate the entire bank operations team to a new operations center.

Developed and implemented Internal Audit department for mid- size community bank under the Controller’s guidance. As Auditor, wrote audit plans and policy and prepared audit schedules; performed audits in all areas of operations, retail and loans; prepared audit worksheets and audit reports; reported findings to Directors Audit Committee on quarterly basis. Assisted with Federal and State examinations. Served on project team for Y2K and other operational initiatives.

Provided client service support and technical assistance for a local biological media solutions manufacturer to colleges, universities, hospitals and research laboratories in the U.S. and Europe.

Provided support in various operations departments to include Deposit Operations, Image-Proof team and Data Processing within a mid size community bank. Client Service Representative opening new accounts and assisting with client needs.