*Commercial Underwriter that provides support to commercial lending teams and provide expertise in underwriting, structuring, servicing and documenting new & renewal credits. *Responsible for gathering and analyzing relevant information to assess credit risk, establish viability of sources of repayment and determine appropriate loan structures. * Act as lead underwriter in collaboration with commercial bankers in preparing credit approval memos with recommendations consistent with bank policy that illustrate well-reasoned analysis.* Perform servicing reviews and support management of the assigned portfolio to identify and minimize risk to the Bank. * Work closely with loan officers to determine best credit structure, loan pricing and accompany and participate on customer calls* And similar tasks associated with prior positions listed below

Sr. Credit Analyst that evaluates and analyzes financial statements, tax returns and other financial data for borrowers in their request for new loans and renewals of loans.• Prepare credit memos on new and existing commercial borrowers for risk assessment, collateral evaluation, credit structure recommendations and identify strengths and weaknesses to ensure credit worthiness in accordance with the Bank’s standards and industry guidelines.• Work closely with loan officers to determine best credit structure, loan pricing and accompany and participate on customer calls• Complete Annual Reviews on borrower’s with total exposure greater than $500M per Bank policy• Conduct ongoing proactive portfolio risk management, verify risk ratings, calculate and monitor covenant compliance.• Monitor maturities and coordinate with Commercial Relationship Managers (CRM) on new loan requests, modifications, extensions and renewals. • Coordinate with CRM’s, Loan Processors, Loan Specialists and Administrative Assistant as needed. • Monitor expiring financial statements and tax returns in order to maintain current financial information.• Review all documentation to ensure accuracy on all loan documents.• Perform and obtain up-to-date industry research for all borrowers.• Order and review Equifax credit reports on individuals.• Manage a complex work load that includes multiple tasks and deadlines, and resolve issues proactively.• Proficient in financial statement spreading utilizing Moody’s, FAMAS and Sageworks software, and proficient in Word, Excel, PowerPoint, Fiserv/Navigator, Director/Unity, and LaserPro

Sr. Credit Analyst that evaluates and analyzes financial statements, tax returns and other financial data for borrowers in their request for new loans and renewals of loans.• Prepare credit memos on new and existing commercial borrowers for risk assessment, collateral evaluation, credit structure recommendations and identify strengths and weaknesses to ensure credit worthiness in accordance with the Bank’s standards and industry guidelines.• Work closely with loan officers to determine best credit structure, loan pricing and accompany and participate on customer calls.• Complete Annual Reviews on borrower’s with total exposure greater than $500M per Bank policy• Conduct ongoing proactive portfolio risk management, verify risk ratings, calculate and monitor covenant compliance.• Monitor maturities and coordinate with Commercial Relationship Managers (CRM) on new loan requests, modifications, extensions and renewals. • Coordinate with CRM’s, Loan Processors, Loan Specialists and Administrative Assistant as needed. • Monitor expiring financial statements and tax returns in order to maintain current financial information.• Review all documentation to ensure accuracy on all loan documents.• Perform and obtain up-to-date industry research for all borrowers.• Order and review Equifax credit reports on individuals.• Manage a complex work load that includes multiple tasks and deadlines, and resolve issues proactively.• Proficient in financial statement spreading utilizing Moody’s, FAMAS and Sageworks software, and proficient in Word, Excel, PowerPoint, Fiserv/Navigator, Director/Unity, and LaserPro

• Centralized portfolio manager that evaluates and analyzes financial statements, tax returns and other financial data for borrowers in their request for credit.• Prepare credit memos on new and existing commercial borrowers for risk assessment, collateral evaluation, credit structure recommendations and identify strengths and weaknesses to ensure credit worthiness in accordance with the Bank’s standards and industry guidelines.• Work closely with loan officers to determine best credit structure and loan pricing, and accompany and participate on customer calls.• Complete Annual Reviews on borrower’s with total exposure greater than $1.5MM per Bank policy• Conduct ongoing proactive portfolio risk management, verify risk ratings, calculate and monitor covenant compliance.• Monitor maturities and coordinate with Commercial Relationship Managers (CRM) on new loan requests, modifications, extensions and renewals. • Coordinate with CRM’s, Loan Processors, Loan Specialists and Administrative Assistant as needed. • Underwrite both new and existing relationships through the completion of credit memos, credit approval reports and other supporting documents within Bank policy. • Monitor expiring financial statements and tax returns in order to maintain current financial information.• Review all documentation to ensure accuracy on all loan documents.• Perform and obtain up-to-date industry research for all borrowers.• Order and review Equifax credit reports on individuals.• Manage a complex work load that includes multiple tasks and deadlines, and resolve issues proactively.• Proficient in financial statement spreading utilizing Moody’s / FAMAS software, and proficient in Word and Excel.

• Underwrote and performed due diligence of small and middle commercial companies, large corporate clients and real estate builders/developers• Performed in-depth analysis of corporate financial statements and assessed credit risk• Performed growth and sensitivity pro-forma projections in order to verify repayment sources• Analyzed personal financial condition and cash flow of individuals to determine financial strength• Researched and analyzed industry trends for all clients• Provided portfolio management on an annual basis to maintain existing clients and verify continued financial strength of clients• Established financial covenants and provided structured loan commitments to clients• Member of due diligence team which conducted sampling and file review of an out-of-state bank that First Union was considering for acquisition

• Managed staff of 8-10 employees, including payroll, human resources, evaluations, promotions and training.• Interviewed and selected new applicants• Instituted quality control program and staff training to improve department performance • Enhanced department communication by conducting bi-monthly departmental meetings resulting in increased proficiencies • Directed department operating in 5-states• Developed and implemented policies and procedures to ensure the timely review of conventional and government mortgage loans for company and investor compliance• Department liaison between internal bank operational areas, including closing and post closing, bank branches, loan servicing, underwriting and secondary marketing• Ensured accurate integration of a subsidiary into the parent company, including staff, systems and processes