Vice President, Credit
CurrentExperienceVice President, Credit Department Jan 2015 - presentDollar Bank, FSB Manage the Credit Department staff Review, analyze and monitor the Bank's Commercial Lending Portfolio and Bond Portfolio Various Bank Committee member including HMDA, CRA, Fair Lending and Credit CommitteeCredit Officer, Credit Department Jan 2011 – Jan 2015Dollar Bank, FSB Generate reports for various departments including Accounting, Treasury Management, Commercial Lending Areas and Senior ManagementAnalyze bonds that the Bank is considering to purchase Assist with Bank Compliance including HMDA, CRA and Fair LendingAssist in interviewing and hiring new staff membersCredit Analyst, Credit Department May 2006 – Jan 2011Dollar Bank, FSB Spread and interpret financial statements of existing and prospective customersReview and verify the accuracy of borrowing base certificatesPrepare loan covenant analysis for existing borrowersApprove new loan fundings by verifying the accuracy of the required documentationAssist in maintaining files and records and updating databasesLoan Analyst, Commercial Real Estate May 2004 – May 2006Dollar Bank, FSB Prepared loan proposals for current and prospective commercial real estate borrowersCreated proformas to illustrate real estate cashflow projectionsConducted loan reviews on commercial real estate borrowersCustomer Sales Representative May 2003 – May 2004Dollar Bank, FSB Discussed bank products by phone with existing and prospective customers. Products included home equity loans, checking/savings accounts, and CD's.SkillsWide range of banking knowledgeAbility to underwrite commercial loans and bonds Familiar with using a Bloomberg TerminalKnowledge of banking compliance and government regulationsProven team player and team builder
