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Facilitate loan origination, credit analysis underwriting and loan portfolio growth for bank specializing in commercial loans; work in conjunction with relationship and portfolio managers. Assist customers with line-of-credit advances and pay downs. Administer warehouse and alternative lending lines-of-credit. Prepare credit exception requests and credit presentations. Analyze business financial statements, individual personal financial statements and tax returns. Perform financial analysis, including ratio and trend analysis, and covenant compliance. Create Excel spreadsheets, generate reports and complete analysis projects for executive and lending teams while ensuring compliance with regulations; spreadsheets incorporate VBA programing and macros. Support trade show appearances and participate in customer appreciation events.• Conducted proactive investigations into current process logic to ensure viability; eliminated high-value overdrafts by redesigning the transfer handling process• Thanked by specialist replacement for detailed training; did both jobs for two months amid recruitment• Selected by supervisor to present monthly economic updates during commercial banking team meetings; research and report on local and national interest rate trends and other economic factors• Developed a loan officer incentive tracking spreadsheet for distribution to all commercial banking officers

Reconciled GL accounts in QuickBooks, created journal entries, processed customer payments and assisted with daily operations for company offering financing services to real estate investors and professionals. Facilitated accurate record keeping of more than 350 loans and collateralized loans for sale to investors.

Conducted analysis on high-margin Kroger brand products to inform brand expansion strategy in preparation for multiple acquisitions; used Excel to analyze product sales patterns.• Served as the team expert for advanced Excel operations; created Excel program that streamlined processes and saved four weeks of labor per year• Supported implementation of clothing testing procedures to reduce duplicate testing and save costs; lowered testing costs by $270,000 per six-month product cycle• Reported project findings in a PowerPoint presentation to all Fred Meyer senior executives; offered a management training program role upon completion of internship

Performed day-to-day accounting and financial operations for provider of private money real estate financing. Managed balance sheet and P&L with QuickBooks. Reconciled general ledger (GL) accounts, closed books at month end and prepared financial statements. Used Excel to analyze loan disbursement rates.• Prepared a procedure manual for work performed to facilitate the training of new accounting employees