Heather D. Email & Phone Number

Dayton, Ohio, United States

Create thorough and concise analyses of the risks and mitigants of complex commercial loan requests by reviewing and analyzing the borrower’s financial statements, including but not limited to income statements, cash flow statements, balance sheets, tax returns, personal financial statements, and collateral appraisal reports.Prepare sensitivity analyses.

Conducts the analysis and underwriting of all credit transactions. Recommends loan structures and accumulates all data necessary to perform focused analysis.Reviews financial statements and all other relevant financial and non-financial data to develop a concise focused analytical foundation for a credit decision.Provides value-added feedback to the.

• Performed financial analysis of the loan portfolio utilizing databases and spreadsheets to ensure loan compliance and performance.
• Reported and made verbal and written recommendations to credit officers and relationship managers regarding financial performance and risk rating of existing client relationships.
• Prepared credit memorandums on maturing facilities and effectively communicating any potential problems or issues to the approving credit officer.
• Reviewed legal documentation for comparison to approval documents to ensure accuracy.