Crystal Williams Email and Phone Number

As a Commercial Banking Credit Portfolio Manager, I work with clients as a financial partner to help achieve their business and financial goals using a comprehensive suite of tailored products and services.I specialize in financial analysis, underwriting credit opportunities, and proposing financial solutions for commercial businesses. As each banking relationship progresses, I am your resource for facilitating commercial loan origination and closing, calculating and consulting on compliance with agreement terms, solving financial challenges, and ensuring each commercial client has a smooth banking experience on a daily basis.Here at US Bank, we do the right thing, draw strength from inclusion and diversity, power the potential of people, put people first, and stay a step ahead.

- Offering financing products to local government agencies and essential service nonprofit organizations, including cities, counties, school districts, water and sanitation agencies, special districts, ports and airports, charter schools, redevelopment agencies, universities, colleges, and others- Manage a municipal loan portfolio with loan relationships- Underwriting including risk analysis and economic research

As a Commercial Banking Credit Portfolio Manager, I work with clients as a financial partner to help achieve their business and financial goals using a comprehensive suite of tailored products and services.I specialize in financial analysis, underwriting credit opportunities, and proposing financial solutions for commercial businesses. As each banking relationship progresses, I am your resource for facilitating commercial loan origination and closing, calculating and consulting on compliance with agreement terms, solving financial challenges, and ensuring each commercial client has a smooth banking experience on a daily basis.Here at US Bank, we do the right thing, draw strength from inclusion and diversity, power the potential of people, put people first, and stay a step ahead.

- Offering tailored financing products to local government agencies and essential service nonprofit organizations, including cities, counties, school districts, water and sanitation agencies, special districts, ports and airports, charter schools, redevelopment agencies, universities, colleges, and others- Manage a municipal loan portfolio with loan relationships- Underwriting including risk analysis and economic research

Managing a team of documentation officers, helping develop their skills in contract writing and negotiation, reviewing and editing work.Drafting complex contracts, writing custom language and agreements, effectively communicating contract elements to internal and external clientele, making financial and legal recommendations to executive management and board members based on analysis and research, negotiating with client attorneys for loan transactions, balancing customer contract requests with the organization's policies, goals and risk tolerances, communicating client failure to comply with contracts.Coordinating title and escrow officers, customers, loans officers, analyst, brokers and attorneys to facilitate transaction closing.Authorizing wires and general ledger transactions, unlimited authorization of collateral perfection and release.Writing and maintaining department procedures and training materials, creating weekly and monthly financial and process reports for executive management.Project implementation such as transitioning to a paperless environment analyzing and implementing a core system conversion.

- Drafting loan documents, creating ad-hoc agreements, writing custom language and negotiating with borrower and bank attorneys- Coordinating escrow officers, borrowers and attorneys to facilitate commercial loan closings- Leading a team of documentation staff- Writing and maintaining department procedures and training materials- Assisting the Loan Center Department with managing various projects

(8/2010 to 8/2012) – Credit Analyst- Managed a commercial loan portfolio – deposits and loan relationships (C&I and CRE)- Consultant to business owners on finances and lending structures- Underwriting for new and existing loans including risk analysis and industry research.(12/2009 to 8/2010) – Small Business Banking Officer- Managed over 90 small business C&I and CRE relationships(6/2009 to 12/2009) - Junior Credit Analyst: Commercial Banking Trainee- Underwriting and support for credit team and relationship managers

Assisted 8 Financial Analysts with projectsCreated an insurance agent segmentation report tracking sales production in Excel that automatically updated from Access queries and tablesSolved problems with merging production trackers built into Excel by updating segmentation guidelines and re-writing complex spreadsheet functions