-Conducted analysis, received approvals and successfully closed $46M in loan originations spanning residential, commercial, business and construction transactions -Acted as liaison between company and clients, expanding existing relationships and closing profitable new relationships -Collaborated with cross-functional teams to streamline the origination process resulting in increased client satisfaction-Created deliverables for new loan requests that included credit and project analysis, risk assessments and borrower summaries before presenting to the appropriate level of senior management up to and including the board of directors-Managed individual credit portfolio by overseeing the renewal of matured credit facilities, completing financial monitoring, addressing covenant breaches and taking proactive measures to address deteriorating credit situations-Structured and negotiated loan agreements in accordance with company lending policy and guidelines leading to 100% satisfactory rating from internally conducted loan audits

-Assisted training officer in assessing credit requests by conducting thorough underwriting of applicants by evaluating income sources, debt servicing ratios and collateral to determine loan eligibility -Facilitated the collection and analysis of financial documents required for final loan approval -Developed a strong personal understanding of bank products and services, alongside a comprehensive knowledge of relevant laws, regulations and procedures pertinent to real estate lending -Completed a 2-month credit training program, gaining comprehensive expertise in credit analysis, risk assessment and financial evaluation strategies

-Carried out research on industry trends, regulatory changes, and emerging technologies impacting commercial banking-Maintained well-organized working files for each loan including financial and collateral documentation -Created detailed company enhancement project plans, including timelines, resource allocations, and budgets

-Demonstrated exceptional ability to multitask in a fast-paced environments while upholding a professional demeanor-Mentored and trained new servers, delivering comprehensive training on service standards and restaurant protocols -Promoted teamwork among colleagues by implementing effective communication strategies