Grace Ross Email & Phone Number

Charleston, South Carolina, United States

Client Performance Management-Oversee documentation and ongoing monitoring of asset and client performance.-Actively manage portfolio to maximize return and credit quality.-Prepare/oversee preparation of concise, well-reasoned credit correspondence.-Obtain credit concurrence as client advocate.- Responsible for monitoring covenants of clients within assigned portfolio to identify deteriorating credit conditions and compliance with loan agreement.- Monitor high risk loans via established procedures, with transfers Special Assets Monitoring Unit as appropriate.- Ensure that renewals are completed on a timely basis to avoid any administrative past dues. - Ensure that annual loan renewals, reviews and monitoring are completed in a timely fashion to avoid any administrative past dues.Sales Support and Partnerships- Maintain key ongoing contact with lending clients in conjunction with relationship managers.- Work with specialists as needed to support cross-sell opportunities.- Maintain and promote a customer service environment, to include satisfying and exceeding customer needs and expectations.-Increase share of wallet with customer by identifying cross-sell opportunities or enhance existing services by recommending, credit, deposit, cash management, etc.Management of Workflow-Effectively manage work flow by aligning tasks with departmental goals and objectives.-Lead team to success by capturing opportunities for ongoing mentoring, coaching, and career developme of analysts and associates Completes annual compliance courses.-Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulatic and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act.

Lumberton, North Carolina, United States

This role is a key player in loan terms, approvals, collaborating and generating solutions to current and perspective loan clients within commercial banking. Ensure new loans are reviewed and documented properly to be approved by Credit Officer

Lumberton, North Carolina

I am responsible for developing new deposit, loan and merchant business for a specific target market. I work closely with Regional Executive to solicits business, gain loan approvals and close loans. I assist the Branch Manager in performing various managerial functions of the department as directed, providing a superior level of customer relations and service; and ensuring compliance with Bank policies and procedures. Responsible for client relationship management and insuring that the borrower’s needs are met and the loan process is executed in a timely manner

I review and analyze customer financial statement information, evaluate financial condition and transaction structure, including collateral analysis, analysis of tax returns and prepare global cash flows, generate ratios for use in evaluating customer's financial status, make oral and written recommendations to senior credit personnel, describe credit risk, provide mitigants and results of credit analyst, note policy exceptions and possible mitigants, and maintain industry and economic information for senior credit personnel.

As a loan assistant I maintain commercial loan files and pertinent documentation associated with the closing. Prepared and closing loan documents for new and renewed loans. This will include Assisted Loan Officers and Credit Analysts in loan portfolio management activities. Develop full customer relationships by assessing customer needs and working with Commercial Loan Officers to offer appropriate Bank products and services to customers.

Performed routine and intermediate branch and customer services duties: accepted retail and commercial checking and savings deposits; processed loan payments; cashed checks and savings withdrawals; assisted with night depository and vault duties; promoted business for the Bank by maintaining good customer relations and referred customers to appropriate staff for new services.