•Business banking credit adjudication, total exposure up to $2.5MM.•SBA 7A and 504 Underwriting•Adjudicated all the Consumer requests, which included, but was not limited to, the following: Lines of Credit, Lot/Land Loans, Vehicles, Watercraft, HELOC’s, Unsecured, Modification requests, •Product development•Project management and initiatives responsibilities •Experience writing Consumer and Business Banking policy manuals•Revamped and took ownership of the Quick Reference Guides, which are tools for the Sales Team•Assisted in the credit adjudication software initiative. Sourced and presented our findings to Management

Adjudicated all the Consumer requests, which included but was not limited to the following: Wealth Management Credit Cards, Consumer Credit Cards, Lines of Credit, HEIL’s, Lot Loans, Yachts, HELOC’s, Modification requests, Subordination, Appeals, Credit Card increase requests, and ATM/POS/RDC increase requestsActively participated in the monthly Wealth Management OC calls to improve our processes Actively participated in the Debit Card Client Experience Working Group calls to improve upon our processesManaged the Consumer Access Database to ensure data integrity Managed the Inter Connect Verification project, which entailed monthly research and follow up with Equifax Managed the Consumer inbox to ensure all requests are adjudicated within SLAMentored junior underwriters on best practicesCulture Club Committee member, spearheaded the Keurig, Flushot clinic and Eco-Font proposalsProactively worked with the Relationship Service Center and Senior Relationship Managers to ensure our process was as efficient as possible and addressed any ongoing issues with open lines of communication

Adjudicated all the appeal requests that fell outside of policy guidelines, which included all consumer products Delegated Lending Authority up to $1.25 MillionAchieved 250% of set goals for productionImproved throughput time on appealed submissions from days to hours, which met and exceeded the Service Level AgreementAdditional responsibilities include Private Banking Underwriting Developed and trained, in concert with the Regional Credit Advisors, programs and studies to help new hiresAchieved numerous employee recognitions due to turn around time and overall helpfulness Participated and contributed to the Enhanced Lending call where best practices and further training needs were addressedActively worked with the Consumer Loan Service Center to ensure loans are closed correctlyReduced re-work and negative client impact by actively working with the Loan Documentation Center to ensure the documents were competed as stipulated from the adjudication Developed new submission forms for the filed to utilize when submitting an appealMentored and groomed bankers in need, as well as junior underwriters on best practices and policy

Underwrote and priced new credit requests for all Relationship Managers within the Public and Institutional Banking (PIB) footprintAccomplished a Satisfactory Internal, Canadian, and Federal audit, the highest rating obtainablePerformed annual reviews and renewals and all ACH products within the Public and Institutional Banking Portfolio, which totaled $1.1 billion in fully funded loans and $333 million in letters of credit. Thorough knowledge of Public and Institutional Underwriting with experience with all the FACT Criteria Papers, including Health Care, Colleges & Universities, Local Governments & School Boards, Simple Model Non-Standard Risk Factors, and General Commercial PapersCompleted credit packages and FACT financial analysis for senior risk management reviewMaintained the PIB Portfolio, which included loans in six states for four account managers Established and/or confirmed borrower risk ratingsMonitored Covenants and performed required tests annually, quarterly and monthly Maintained the credit files and resolved all credit file discrepancies to ensure they were kept in an acceptable manner for internal and audit review Completed the credit approval document and documented all the decision specifics as determined by the commercial risk manager

Delegated Lending Authority of $1MM on renewal and new credits with exposure up to $2MM and revenues of $16MM Managed Alabama business banking portfolio which totaled over $1 billion committed dollars Responsible for screening of renewal commercial credit transactions to ensure the bank’s profitability goals and RBC Bank’s risk management strategies were balanced appropriately Reviewed and provided oversight of the various portfolio management reports in order to minimize credit exceptions. Managed all covenants for the business banking group utilizing the DYMAC software Teamed with the Special Loans Group to ensure troubled loans were either moved to their portfolio or worked-out within the RBC business banking portfolioPriced all credit requests in order to meet target pricing and to also balance risk and returnResponsible for documentation within the risk management file to ensure decision rationale is well understood. Including but not limited to financial statements, cash flow and underwriting analysis Exceeded satisfactory turn around time of loan requests Facilitated team synergy by networking and partnering across RBC Bank with Senior Risk Managers, The International Group for stand by letters of credit, The Treasury Group for all ACH exposure, and Special Assets for troubled creditsProactively searched for cross sell opportunities to deepen the client relationship with RBC BankProvided on the job training for Account Managers, Trainees and Analysts as needed

Responsible for general screening of new and renewal commercial credit transactions to ensure the bank's profitability goals and RBC Bank's risk management strategies are balanced appropriately Utilized the BBTR Template, Baker Hill Software, Risk Assessment Forms, Borrower Risk Rating Templates, Cash Flow Templates, NOI Templates, and Religious Underwriting Templates to underwrite the various credit requestsUtilized Moody's software to prepare spreads for the field and senior risk managersManaged the Covenants for Business Banking on the DYMAC system Provided expertise in decision structuring, credit pricing, and analysisReviewed and provided oversight of the various portfolio management reports each month in order to minimize credit exceptionsSupported the account managers to ensure group risk goals are met and RBC Bank pricing and credit policies are followedActed as an advocate for the sales team when reviewing credit transactions evaluated by risk management

Administered the Commerce Club DatabaseProduced Commerce Club letters for the Dean of the CoB Researched information for the ECU College of Business Stock Notes & the ECU Annual ReportAssisted the Dean of External Affairs in mailings and research of potential giversAssisted in planning, preparation & working of the ECU College of Business Graduation CeremonyProctored GRE, GMAT, MCAT & SAT test preparation review coursesVarious office duties

Performed at 95 plus percent in Firm order Confirmation, First Time Yield, and theabsence of Back-end ErrorsAccessed EXACT mechanized computer system to process customer ordersAssisted, trained, and acted as a mentor for all new hires for the South TeamProcessed Access Service Requests that included DS3, DS1, DSO, and Frame RelayPerformed follow-up calls to customers to eliminate escalations for the south teamHandled all jeopardy escalations for the south teamMonitored worksheet to track daily jeopardy codesRepresentative for the CAT (Quality Assurance Team) CommitteeDaily contact with Southeastern Telecom Companies to complete service ordersSouth team representative on daily conference callHandled all DS3 requests for the entire country in the Verizon footprint

Inspected suite to ensure it was being maintained properlyMet and greeted guests and provided access to the suiteRemained available and visible to assist the guests with any additional assistanceClosed down the suite at the end of the eveningAssisted co-workers who needed additional help at the end of the eveningVerizon