Financial Analyst working at NASA Glenn Research Center. Financial Analyst serving as a member of a group of analysts who are working in concert to systematically integrate business and financial management processes to ensure the efficient stewardship of public funds.This includes budget formulation, execution, cost estimating and administration process. Currently monitor and track obligation and expenditure of funds, detect, reconcile and remedy fiscal discrepancies, and provide cost effective, insightful reporting to decision makers. In addition, assess products and procedures for compliance with government standards, accounting principles and multi-tiered system application standards. I am also cognizant of interrelationships between financial management requirements and automated solutions, considering the current system environment and the potential integration of added systems concurrently or later.

• Gather and analyze all financial and business information to determine credit worthiness for middle market and investment CRE transactions.• Prepare a written evaluation of borrowers' financial condition and outlook, as well as identify strengths and risks associated with middle market and investment borrowers. Obtain and follow up on all required documents.• Monitor financial reporting requirements and obtain and analyze financial and loan information.• Perform financial spreading, risk rating scorecard, annual reviews, EPL Presenting, and covenant tests.

• Responsible for integrity of overall CRE loan administration(inception to payoff) for assigned loans and customers; ownership for monitoring terms of loan agreement and policy/procedure/compliance requirements, with consistently accurate analysis and attention to detail.• Responsible for the management of over 100 million dollars of commercial real estate and community development construction budgets.• Responsible for construction draw monitoring, including critical analysis of detailed construction documentation (AIA), sources and uses, title, inspections, tenant improvements, insurance, and related requirements for managing construction risk• Manages customer requests within the terms of commercial real estate loan documentation, bank policy and business segment procedures, always with the goal of enhancing the customer experience. Includes renewals, extensions, modifications, draws, line advances, payments, wire transfers, insurance, taxes, collateral accounts, payoffs, releases, etc.• Responsible for ongoing CRE portfolio review and analysis for identification of potential risks and adverse situations that may impact the bank's interest. Communicates and escalates such risks, pursues corrective action and drives solutions. Advises fellow colleagues of material customer activity.• Develops and maintains positive relationships with customers, title companies, construction consultants and contractors. Periodic customer meetings and project site visits.• I possess a solid understanding of commercial real estate property types, documentation, state lien laws and title practices, and construction due diligence requirements.• I recommend process improvements & solutions, always thru the lens of the customer, and with an eye toward potential cross-sell opportunities to deepen the customer relationship.• Responsible for the collection, review, and maintenance of due diligence & customer information (including but not limited to third-party reports

• Manage a queue of collection efforts over time, meeting critical milestones; collection efforts begin 120 days prior to maturity and collector is responsible until completion, requiring much persistence and follow-up• Interpret loan approvals/loan documentation to extract and build financial statement reporting requirements• Evaluate requirements, comparing financial statements in possession and determine the need for further collection• Draft collection letter to customer, ensuring its accuracy and completeness• Evaluate received financial statements for correctness and completeness• Communicate/interact with Business Bankers, Relationship Managers, Underwriting and customers to facilitate the collection effort or process temporary loan extensions• Assists in the underwriting process by ensuring the accuracy and/or completeness of relevant information and documents.• Understanding of the necessity and value of accuracy and attention to detail; ability to process information with high levels of accuracy.• Knowledge of the full spectrum of underwriting activities, practices, tools and considerations, and the ability to utilize these to manage the underwriting process with regards to renewals and periodic reviews.

• Currently manage a commercial portfolio of approximately 650 clients in various industries.• Conduct advance, payment, and wire transactions for commercial client.• Perform maintenance on and submit of Letters of Credit. • Provide operational feasibility and support to RM and other members of the deal team. • Review complex loan documentation for accuracy and consistency with the Credit Approval document and compliance with credit policy, procedures and regulatory requirement.• Support closing and funding activities; process funding requests in accordance with the loan agreement; perform due diligence to ensure funding is within guidelines and availability is sufficient. • Transact rollovers, conversions, rate changes, extensions, and modifications in accordance with the loan agreement, agent bank and/or customer instructions. • Develop and maintain a strong, interactive and effective partnership with Relationship Managers and associates.• Project participant for Capital Stream, Past Dues, Relationship Manager Duplicate System Issue. Ensure all commitments are met in accordance to the goals and objectives of the project, Manage and coordinate change activities and assist with project closure activities.

• Oversee and analyzed audit standards to ensure that audits and bank files are in full compliance with Government and Federal regulations. Branch Audit Committee Member• Manage sales of bank products, new business, operations, customer service, and teller activities. • Supervise hiring, training, staffing, and coaching of 4 customer service representatives and 4 personal bankers.• Conduct monthly analysis of income statement and balance sheet documents. (Implement budget as needed).• Recognize and use trends to educate clients on investments, which resulted to an increase on personal Roth IRAs and other investments.

• Performed multiple transactions for customers in a timely manner.• Exceeded referral goals on a monthly basis.• Assisted in ATM Processing and office work daily.

• Researched and engaged in ongoing equities and financial analysis of small-cap companies.• Conducted in-depth financial analysis of corporate financial statements and cash flow analysis.• Evaluated and researched extensive global and domestic companies for recruitment of new investors.• Superior knowledge of 1040 & 1065 tax forms, agent reports, and credit reports.• Assisted, planned and implementation of company seminars, special projects and events.• Conduct financial analysis on portfolio companies and target companies.