•Primarily responsible for the underwriting of new commercial loan requests up to $6 million and prepare credit memos for presentation to the bank’s approval committee. •Perform detailed analysis of financial statements, tax returns, cash flow data, real estate rent rolls, financial ratios and related materials.•Provide junior credit analyst with training in analysis of more complex loan requests. •Prepare pro forma financial statements when necessary for use in loan analysis.•Managed the implementation of and conversion to a new financial spreading software. This included the development of new procedures and training of bank staff. •Create ad hoc and recurring reports analyzing the bank’s loan portfolio using Microsoft Excel for presentation to bank management.•Manage the annual stress test of the commercial and consumer loan portfolio.•Assisted in the bank’s transition to the Current Expected Credit Loss (CECL) method for the allowance for loan and lease losses.•Oversee the bank’s construction loan administration process.

•Analyzed financial statements, tax returns, cash flow data, real estate rent rolls and related materials.•Reviewed business application and financial data for credit worthiness and repayment capacity.•Approved terms and structure of new loan requests within lending authority of $750,000 and recommended decisions on loans exceeding that amount. •Provided written loan memos outlining support for the loan decision.•Maintained ongoing communication with business Relationship Managers and Loan Officers to gather necessary information and relay loan decisions.•Managed the reviews and renewals of all small business loans.•Determined restructuring terms for maturing loans to meet current underwriting guidelines when necessary.•Developed and maintained internal systems (databases, spreadsheets, etc.) to improve efficiency and workflow management within the small business underwriting department.•Designed, managed, and analyzed reports on internal Small Business application data.

•Performed initial credit analysis on small business loan renewals and reviews. •Designed, managed, and analyzed reports on the Business Banking portfolio.•Aided in the design of an automated portfolio monitoring system.•Helped determine criteria for pre-emptive freezes of consumer and business lines of credit based on credit score trending.

•Managed month-end invoicing for certain engagements, assisted in preparation of engagement budgets and interim and final project reports. •Completed various Medicare and commercial insurance cash acceleration engagements which improved cash cycle for clients in the health care industry. •Conducted an emergency room coding audit, identified approximately $3 million of over-coding instances and calculated financial penalties owed to various health insurance companies.

•Developed risk matrices for the 2nd Mortgage and HELOC departments to determine interest rate premiums based on credit score.•Analyzed delinquency rates for automobile loans among credit score ranges.