Doris Mueller Email & Phone Number

Collegeville, Pa

Malvern

Prepare financial analysis and credit memorandums for annual renewals of a variety of commercial credit customers exceeding $750M in exposure. Work closely with relationship manager to meet ongoing deadlines.Responsible for spreading financial statements in One Point. (Baker Hill)Prepare business, personal and global cash flow analysis.Determine loan to value through collateral analysis and assign commercial risk and LIED ratings.Indentify if customers are in compliance or default of policy requirements or covenants.

Credit authority for financing opportunities up to $150M.Responsible for updating LSM to insure accurate lease approvals including rate, term and documentation requirements.Equipment and Vendor approval on accepted transactions.Validation of legal entities in compliance with BSA standards.Presented written credit recommendations and summaries to Senior Management.Internal and external customer service to sales team, business partners, vendor services and operations.

2008Credit authority for financing opportunities up to $250M individually and $500M combined.Managed credit department which processed an average of 800 applications per month. Supervised 3 credit analysts and 2 credit administrators.Prepared financial analysis and credit summaries for transactions from $150M to $500M.Participated in due diligence of portfolio acquisitions.Review credit appeals with sales members and negotiate structured financing arrangements while limiting exposure and risk to the Company.Prepared annual business plan of credit department outlining initiatives, implementation, and efficiencies.Presented credit policy enhancements and internal updates at marketing meetings.Co-Chair of Risk Committee which reviews the Company's credit policies, vendor and broker programs, portfolio quality serviced and non-serviced, compliance matters, current audits, direct and indirect sales performance and financial results. Approval of vendors and brokers, including prefunding or special programs.Structured all rewrites, extensions, and purchase option financing requests.

Credit authority for financing opportunities up to $150M individually and $250M combined.Responsible for the oversight of the credit, vendor and customer service departments which included 4 vendor service representatives, 3 customers service representatives and 2 credit analysts.Participate in external and internal audits, monitor sox testing as it pertains to credit and lease review.Reviewed documentation for funding; authorized check and lease signerReviewed and negotiated loan documentation requirements with borrowers, internal or external sales force.Negotiated restructures with customer in financial distress in accordance to policy.Projected potential lease charge offs in order for management to manage necessary budgets and profits, terminated leases in renewal and monitored assets moved to off lease. Thorough knowledge of cash posting process, equipment returns, payoffs, upgrades, lease documentation, quality assurance, booking, off lease and insurance program. Leadership role in company's merger with Susquehanna Commercial Leasing including training of employees and implementing policies of new parent.

Point of contact for 50% of company's internal and external relationships in the areas of credit, documentation, upgrades, payoffs, pricing, residuals and general customer service. Credit authority for financing opportunities up to $100M.Established creditworthiness of equipment finance requests for new and existing customers and perform credit investigations by obtaining credit reports, bank and trade references. Involved in companies merger with Patriot Commercial Leasing which allowed continuous service to internal and external customers.Accomplishments:Established lease renewal program which enhanced end of lease revenue while minimizing potential losses. Decreased payment grace period by 5 days which yielded an increase in late fee revenue. Established pay by phone and e-pay which increased customer satisfaction and enhanced collection efforts.Established policy to exclude large down payments from commission calculations. Implemented end of lease policy disallowing early terminations of contracts to maximize interest income and manage off lease.Revised booking sheet / documentation check list to included rate calculations, upgrades, sales commissions which alleviated numerous audit and booking errors.Drafted welcome letter which included customer's first invoice which alleviated numerous first payment defaults due to missed invoices.Developed auto score card up to $50M.

Responsible for overseeing the daily operations of the trust department and its assigned personnel.Provided Trust Officer with administrative tasks and provided customer service support.

Estates and Trust ParalegalEstate and trust administration including preparing court documents, estate accounting, and tax return preparation.Communicate with clients regarding status of estate proceedings, impending deadlines and necessary financial information.

Paralegal, Tax & Trust

Ba, Liberal Studies