• Analyze fiscal data such as income growth and quality of management to determine expected probability of loans• Complete credit analysis reports and summaries of loan requests to submit to loan committees for approval• Analyzed relationships and provided input on exposures exceeding $7MM• Inspected spec, custom, and multi-family construction units and extended money accordingly• Determined the value of real estate properties on the basis of sales comparisons• Performed detailed appraisal reviews on all commercial and residential appraisals• Created and implemented a new credit offering memorandum• Lead a team in the discussions with other company members working on the same projectSpecialties: • Creating quality assurance processes which improve the efficiency and accuracy of identifying missing or erroneous data• Able to identify and present opportunity areas which decreased turn around times, while increasing revenue• Capable of creating key ratio based spreadsheets to simplify loan decision making • I am also identified as a key liaison between loan officers and business partners