Key member of the finance team for this global agricultural lender, responsible for the complete underwriting of complex new requests and servicing actions, such as renewals, annual reviews, partial releases, and covenant monitoring. Assisted the Relationship Manager in cultivating and nurturing customer relationships on a variety of accounts for loans ranging from $1MM to $45MM. Served as a mentor to new hires and other team members.Key Underwriting Initiatives▬▬▬▬▬▬▬▬▬▬▬▬▬▬✔ Analyzed and assessed the client’s credit and operational risk using multiple sources of information.✔ Recommended the structure of credit products based on bank policies through thorough analysis.✔ Discussed and proposed solutions on how to serve clients optimally.✔ Worked across departments in both new loan generation and financial restructuring. Client Relationship Management ▬▬▬▬▬▬▬▬▬▬▬▬▬▬✔ Accompanied Relationship Manager on customer farm visits/evaluations.✔ Assisted in designing and implementing custom account strategies in support of divisional objectives to meet individual client needs.✔ Supported Relationship Managers in growing their portfolios by more than 10% in FY 2022.Select Accomplishments ▬▬▬▬▬▬▬▬▬▬▬▬▬▬✔ Part of the team to achieve region capital return on risk goal, FY 2022.✔ Attained 100% Net Promoter Score (highest attainable) from clients for 2022. ✔ Exceeded all KPI metrics for quality met for send-backs below 15% for 2022 with all ratings, spreads and write up information being correct at submission to credit.

Responsible for underwriting new and renewal commercial loans up to $25MM according to applicable regulations and guidelines. ✔ Reviewed financial statements, communicated with customers, and performed analyses to recommend borrower risk ratings and appropriate loan structuring. Sourced, compiled, and interpreted financial data to support structuring and approval of loans. ✔ Reviewed industry information and comparisons, key risks and mitigants, and collateral to form a general business overview of the borrower. Utilized results of analysis to underwrite commercial loans and recommend the structure of credit products.✔ Identified risks through reviews, analysis, and research of new and existing commercial credit requests and relationships. ✔ Stayed abreast of relevant developments in the market to ensure the best credit decisions were made for clients and the lender.

Worked closely with the Relationship Manager and Internal Credit Review, responsible for the analysis and completion of credit packages outlining risks to be used in the decision making for new and existing relationships. Handled a $350MM client portfolio in poultry, swine, row crop, and citrus verticals in the SE Region. Served as a mentor to new hires and other staff.Key Underwriting Initiatives▬▬▬▬▬▬▬▬▬▬▬▬▬✔ Analyzed financial performance and operational risk for clients, and prepared credit applications up to $30MM in customer exposure. ✔ Made recommendations to Relationship Management Team on structure of credit products to compensate for identified potential risk, financial and operational modeling, loan documentation, and negotiation for existing and prospective clients. ✔ Assessed current and historical financial statements and cash flows, conducted financial trend and profitability analysis, and established appropriate loan covenants.✔ Conducted loan monitoring and compliance activities which consisted of client farm inspections, collateral monitoring, repayment and extension of loans, collateral reviews, annual reviews, renewals, and loan strategy reports.Client Relationship Management ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬✔ Assisted Relationship Manager in obtaining new clients through farm visits, trade shows, etc. ✔ Assisted Relationship Managers in negotiating loan terms with customers and in maintaining their portfolio.✔ Support Relationship Managers in growing their portfolios by 20%+.Select Accomplishments ▬▬▬▬▬▬▬▬▬▬▬✔ Part of the team to achieve region capital return on risk goals every year.✔ Attained 100% Net Promoter Score from clients 6 consecutive years. ✔ Exceeded KPIs for quality met for send-backs below 5%.✔ Worked on global credit approval desk at home bank in Utrecht, Netherlands for 5 weeks in May 2018.✔ Consistently came in 10% under time deadline goals every year.

Held events representing Southern Tide in the Piedmont Triad area. Promoted the brand at local retail stores.

Served as a direct contact with clients to administer Individual Retirement Accounts (IRAs) within Trust and Wealth Management Relationships. Moved into a Credit Analyst role serving as the Underwriter for conventional mortgage loans up to $10MM. Key Underwriting Initiatives▬▬▬▬▬▬▬▬▬▬▬▬▬▬✔ Analyzed loan requests including analyzing borrower information and financial statements, collateral and tax returns.✔ Made conclusions regarding credit worthiness and recommended credit decisions with adequate risk controls.✔ Provided expert service with a high sense of urgency in coordination with internal partners.Client Relationship Management ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬✔ Worked directly with Account Relationship Managers in analyzing complex and diverse credit information for companies.✔ Met directly with borrowers and potential customers in support of Account Relationship Managers.

Served as a direct contact with clients to administer Individual Retirement Accounts (IRAs) within Trust and Wealth Management Relationships. Maintained existing relationships, as well as assisted in the opening and closing of IRAs. ✔ Worked alongside Regional Relationship Managers, as well as investment partners to ensure client needs and goals were met. ✔ Ensured IRAs were properly administered by adhering to the rules and regulations set by the IRS. ✔ Led annual Specialty Asset Valuation project for all IRAs. ✔ Upheld the highest standards of service and policy compliance

Initially worked as an Intern and hired full-time in June 2007 as a Credit Analyst. Prepared complete loan packages independently for multi-million-dollar loans and complex credits. Evaluated financial information, developing financial analyses, and interpreted and applied credit standards relative to the application. Made appropriate recommendations to minimize risk and maximize revenue for the lender.Key Underwriting Initiatives▬▬▬▬▬▬▬▬▬▬▬▬▬▬✔ Provided support to Capital Markets Division and Chief Lending Officer including monitoring and servicing of Capital Markets credits. ✔ Conducted analysis of loans in the Special Asset Management department when needed.Client Relationship Management ▬▬▬▬▬▬▬▬▬▬▬▬▬▬✔ Assisted Chief Relationship Manager in reviewing loan packages submitted to the Credit Desk for approval.✔ Assisted with presentation and analysis of participation offerings.Select Accomplishments ▬▬▬▬▬▬▬▬▬▬▬▬▬▬✔ Provided training and ongoing development of new and existing employees. ✔ Consistently exceeded KPIs for loan quality, compliance with all policies and procedures, loans in good standing, # of loans processed, turnaround time, and customer relations.

Updated all performance data every quarter. Created new files. Maintained client synoptic data in Innovest. Created disbursements/deposits as directed. Assisted in client reviews. Assisted in preparation for client and/or prospect presentations. Participated in Trust Investment/Accounting meetings as needed. Ensured all files are current, including chronological order as well as current addresses, beneficiary information. Assisted in transfer of assets for new clients. Updated client and/or prospect information on ACT! Software. Ran DFA return program as needed. Researched trust documents and/or insurance polices when needed. Other duties requested by a Principal.

Prepared tax returns for the 2005 tax year. Dealt one-on-one with clients and reviewed W-2s, 10-99s, 10-98s, and other forms relevant to people's taxes. Also received experience in filing procedures with financial documents and tax laws.

Interned within the Private Client Group. Was responsible in helping with a Trust Systems Replacement Project that had roughly 14,000 admin review issues to clean up. Searched Trust documents for missing W-9's, DOB's, Promissory Notes, Fee Clause Codes, missing beneficiaries and other Admin Review Issues. Worked extensively with creating and organizing Excel spreadsheet with Admin Review issues as well as discretionary/ non-discretionary accounts. Also gained experience with the OMNI and Siebel computer programs.