Prepare annual reviews for Multi-Family relationships with aggregate loan balances over $10MM (both FNMA and bank portfolio loans). Prepare annual reviews for large balance Commercial Bank clients. Annual reviews include reviewing and determining borrower's financial condition, property operating performance, property condition, market conditions and other risk factors. Submit loan modification requests to Credit Administration for approval. Complete quarterly problem loan reports for distressed multi-family property loans and commercial bank loans in order to evaluate accurate risk assessment for the bank and to determine ongoing credit worthiness of borrowers.Customer contact including payoff and collateral release requests, collection calls, and restructuring loans upon maturity.Manage portfolio of 200+ commercial loans (asset-based or term loans; consisting of owner-occupied real estate loans, equipment leases, SBA loans, agricultural loans and land loans).Review loan documents to ensure loan performance meets or exceeds covenant requirements, monitor and verify that interest rate changes are implemented according to agreements, and review collateral requirements to ensure proper risk levels are maintained.

Underwriter for commercial lines of credit of $5MM to $500MM. Prepared credit approval packages which included the results of credit analysis and summary of loan requests. Submitted offering sheet according to bank guidelines for underwriting standards to loan committee for decision. Analyzed credit and guarantor information in order to determine risk involved in lending money to commercial customers with varying annual revenues and business structures. Depending on loan structure, the credit analysis could include borrower, parent company and personal guarantor. Credit decisions were based on information obtained from the loan application, Dun & Bradstreet, Lexis-Nexis, personal credit reports, trade references, other lending institution references, and any other applicable data gathered on the client or industry.Compared items, such as liquidity, profitability, tangible net worth, and credit history against guidelines. Maintain credit files for completeness and accuracy in anticipation of periodic regulatory and internal control audits. Monitored risk rating assigned to each borrowing relationship to guard against deterioration of portfolio and made recommendations for upgrade or downgrade according to results of findings. Assigned as analyst to all syndicated credits within western regional portfolio due to complexity and size of relationships. Responsible for preparing the bank book for syndicated facilities for which Washington Mutual served as agent bank. Provided training, mentoring and facilitated career development of all new analysts hired within the business unit.

Analyzed and spread financial statements, operating statements, rent rolls and tax returns. Prepared evaluations on various types of commercial loans, both secured and unsecured, including Commercial Real Estate, Multi-Family Lending, Mortgage Bankers, Homebuilders, and SBA loans. Compared liquidity, profitability, and covenant compliance of borrowers with those of similar business models using RMA (Risk Management Association) records. Generated financial ratios, using Moody's Financial Analyst and other computer software programs, to evaluate, monitor, and perform compliance testing of borrowers. Timely and accurately reported exception data. Reviewed loan documents to verify reporting and covenant requirements.

Established a team-oriented environment through a positive and proactive leadership style. Responsible for budgeting, purchasing, scheduling, hiring, training, and performance review functions for retail store with 30-40 employees and $7 million in annual sales. Migrated HR and payroll systems to PeopleSoft. Consistently outperformed sales objectives by 15-25%. Managed store with highest composite customer service rating chain-wide. Received five accommodations for outstanding customer service.