I handle operations for the bank’s southern markets, driving the team in the small business loan production shop. I demonstrate senior level loan decision authority for up to $1MM. I apply efficient recruiting, onboarding, and training strategies to develop a talented team of skilled underwriters. I mentor, train, and guide a team of 7 underwriters to strengthen team dynamics by demonstrating strong leadership, organization, and interpersonal skills, achieving optimal levels of employee performance and client satisfaction. I partner with Sales to ensure they are consistently well informed of potential underwriting changes, ensuring that objectives constantly match organizational goals.* Served a lead role in developing and implementing nCino, a new loan origination platform* Directly managed a cross-functional business and technology team of 5 members to complete dynamic system testing. * Facilitated 200+ end users by introducing change management to enhance workflow operations and secure a successful project roll-out.* Developed training policies and procedures, helping users by creating job aids.* Assisted staff by delivering continual support model during system implementation. * Regularly communicated with TD Bank senior management to deliver project updates and suggest optimal solutions * Adjusted to nCino, Salesforce, and JIRA, acquiring technical system proficiency through IT project management.* Served as key point person for all system related questions influencing small business operations, routinely interacting with BASEL group and AML while performing audits and arranging reporting. * Played a critical role in creating and instituting an efficient credit scoring model focusing on enhancing overall bank efficiency and profitability, expanding loan volume by 175% by doubling approval rates and decreasing turnaround times by 50%.

I enjoyed senior level loan decision authority up to $250M. I analyzed New Money loan requests up to $500M while guiding relationship managers in structuring financial solutions for borrowers. I also performed cash flow analysis, collateral evaluation, and risk rating for new and existing customers. In addition, I mentored junior analysts and aided them in their professional development to grasp the complexities associated with the underwriting process.Key accomplishments include creating and implementing reference materials to eliminate auditing errors.

I enjoyed senior level loan decision authority up to $250M and guided relationship managers in structuring financial solutions for borrowers, coordinated the documentation of loans and made recommendations for risk rating the clients within assigned portfolio. I performed cash flow analysis of businesses to determine customer’s ability to repay proposed credit facilities.Key accomplishments include analyzing New Money loan requests up to $1MM utilizing knowledge of PNC's Credit Risk Management and GAAP to determine the credit worthiness and financial conditions of potential and existing customers.

I approved renewals up to $250M in accordance to PNC's Credit Risk profile and refinanced expiring credit facilities. I second approved renewals to ensure accuracy and consistency of all credit decisions. I also trained new employees on job requirements and PNC policy regarding risk tolerance. Key accomplishments include developing PNC guidelines relating to renewal procedures.