Erin Shinn Email & Phone Number

Greater St. Louis Area

Calculate and analyze the ALLL for a $3.8 billion loan bank to determine reserve requirements in accordance with ASC 450-20 and ASC 310-10 reporting. Analyze qualitative factors and compile quantitative measures support documentation. Integrate systems information to prepare monthly and quarterly trend reports for the Board of Directors and executive management. After integration, the prepared reports include risk rated migration, charge-offs, and asset quality pertaining to federal call codes, commercial real estate concentrations, collateral codes, NAICS codes, and geographical segmentation. Manage related key regulatory processes pertaining to Sarbanes-Oxley as well as maintain compliance documentation for both internal and external auditors. Maintain appropriate policy and procedures to ensure it remains current and relevant. Utilize diverse knowledge base to perform various special projects for executive management as needed basis. Played a critical role in the strategic project to automate the ALLL calculation in preparation for compliance with Current Expected Credit Loss (CECL), utilizing a newly purchased software. Ensure credit impairment methodologies are consistent with current and upcoming changes relative to CECL ahead of industry-wide mandatory implementation. - As the primary point of contact and sole user of the new software, identified necessary data points for the calculation, as well as data the bank wanted to retain in a data warehouse. Worked closely with the vendor’s project management and design teams, internal information technology and project management teams, and other departments to identify data mapping migration. The process also included testing and verifying the technical data to ensure accuracy, then providing possible solutions for identified issues. - As the first phase of the project was nearing completion, the bank acquired a new core banking system. Revamped the entire software to ensure it worked on the new core platform.

Greater St. Louis Area

Prepared written reports communicating issues for the bank’s board of directors. Actively probed available resources to discern current macroeconomic conditions. Identified and summarized emerging risks within the bank’s portfolio for the Chief Credit Officer. Evaluated the asset quality of the bank’s loan portfolio for key executives. Led examinations of the commercial, consumer, and mortgage production offices throughout the bank. Examined loans ranging from small business and consumer types to large, complex shared national credits. Analyzed financial statements of various companies to evaluate ongoing credit quality within the loan portfolio. Communicated underwriting, monitoring, and risk recognition issues to key stakeholders. Attended Watch List meetings to remain knowledgeable of criticized and regulatory classified credits. Assisted in managerial duties by performing peer reviews, conferring on risk issues, and assisting with research.

Greater St. Louis Area