Served as Contractor to U.S. Small Business Administration (SBA) in the office of OCA primarily for EIDL COVID Loans, performing a variety of tasks including post servicing of loans considered to be more "complex" or problematic because of specific conditions or of their nature. Software Programs Utilized: Microsoft Word, Excel, Access,TEAMS, and Outlook. Also utilize SBA software programs such as CAFS, SLTrack, RAPID, LIRA, STARS,LEXIS, and pay.gov.

Worked one on one with internal and external stakeholders. Analyzed financialstatements, tax returns, credit reports and/or earning potential of individuals and/or businessenterprises.Requested and reviewed Appraisals and Environmental Reports.Spread and analyzed financial statements using bank's software.Collaborated with relationship managers to structure, analyze, and underwrite credit requests forsmall businesses, owner occupied real estate, commercial real estate, nonprofit facilities, and faith-based organizations.Established covenants and confirmed compliance or non-compliance during annual reviews and renewals.Approved or denied credit requests within credit authority or prepared relationship managers forpresenting requests to Director's Loan Committee.Reviewed loan agreements and closing documents.Presented and recommended credit requests in excess of $1.5MM to Director's Loan Committee.Reviewed credit requests to ensure consistency with bank's credit policies.

Supported relationship managers with underwriting and analysis.Performed annual credit reviews.Completed covenant compliance reviews.Reviewed annual ACH exposure limits.Composed quarterly financial statement compliance reports for the Board of Directors.Spread and analyzed financial statements including tax returns, credit reports, etc for non-profits andC&I companies determining repayment capacity.Served as liaison and assisted external auditors and examiners.

• Managed the receipt, tracking, and spreading of financial statements using the Bank's computerized software system.• Managed the reporting of loan covenant compliance and servicing requirements of borrowers.• Managed the Bank's computerized financial statement tracking system.• Generated monthly financial statement tickler letters to borrowers.• Generated monthly maturity letters to borrowers.• Provided quarterly reports to the Board regarding borrower financial statement compliance.• Stress tested portfolio concentration and reported findings to Chief Credit Officer.• Tracked modifications, renewals, and annual reviews.• Prepared analysis for Shared National Credits.• Managed a team of 2 Credit Analysts and conducted performance evaluations.• Prepared annual ACH exposure limit reviews.• Assisted external auditors and examiners.

• Spread financial statements; including tax returns, business/personal financial statements, CAFRs, etc.• Prepared global and NOI analysis using Bank's computerized software.• Tested financial covenant compliance and servicing requirements of existing borrowers.• Prepared covenant compliance reviews with findings.• Assisted with stress test reporting.• Analyzed financial statements of existing and prospective borrowers.• Provided feedback to relationship managers to assist with underwriting and preparing credit memorandums.• Mentored and trained less experienced credit analysts.

• Knowledge of Generally Accepted Accounting Principles• Compiled, analyzed, and entered financial information to general ledger accounts using QuickBooks Pro.• Compiled and submitted bi-weekly payroll to external accountants.• Posted bi-weekly payroll, vendor invoices, and prepared independent contractors' compensation using QuickBooks Pro.• Made timely vendor payments, resolved disputes and manage petty cash.• Instituted ACH direct deposit for independent contractors.• Reconciled monthly bank statements.• Managed a portfolio of 100+ students including posting Title IV and other payments to student accounts.• Compiled 1099 and 1098-T information from QuickBooks Pro for submission to external accountants.• Monitored and analyzed daily cash activities, reconciled, posted, and prepared bank deposits.• Assisted external auditors during annual financial audit.• Conducted year-end inventory count and reconciliation.• Conducted entrance and exit financial aid counseling.• Prepared annual compliance audit.