Jamie Combs Email & Phone Number

Newburgh, In, Us

Jasper, Indiana, United States

Louisville, Kentucky, United States

Managed a portfolio of client relationships $5MM to $52MM in bank credit exposure in the commercial and industrial (C&I), and agriculture spaces. Experience in commercial real estate (CRE) area while underwriting for the Owensboro market between 2016 and 2019.• Identified emerging credit problems and industry trends and led commercial underwriting process for renewals and new loan exposure ensuring regulatory and policy compliance.• Recommended and modeled appropriate loan structures and legal documentation for complex deals and larger credit relationships.• Managed amendments and waivers in portfolio.• Analyzed company performance, assessed industry and competitive dynamics, and evaluated macroeconomic events' impact on client creditworthiness mitigating key risks. • Monitored portfolio performance and trends, proactively defining client credit solutions, and addressing issues for remediation.• Conducted annual risk rating reviews and covenant compliance measurements ensuring risk rating integrity.• Member of the Truist “Process Council” Years 2022 and 2023. • Developed a comprehensive checklist assisting UW/PM teams identifying and mitigating trackable policy exceptions effectively as a member of the “TPE Checklist Committee” 2022. The checklist was adopted for bank-wide utilization. • Awarded the first BB&T (now Truist) Kentucky Region "Top Portfolio Manager" award in 2017 for underwriting a dairy farm prospect with $24MM in booked exposure.• Solicited, developed, and retained long-term profitable commercial relationships for clients with $5MM to $75MM in annual sales.• Drove continual improvement in portfolio revenue growth and new production revenue.

Evansville, Indiana Area

Supervised part-time and full-time entry-level staff and workflow for weekly payrolls and monthly write-ups. Reviewed payroll transactions, monthly payroll returns, and quarterly payroll returns.• Designed operating procedures for new division, reducing costs while maintaining quality.• Collaborated with clients in improving data flow and understanding of financial statements.• Assisted in preparation of financial statements and delivery to the client.• Assisted Director with year-end tax return reviews and intermittent payroll returns.• Reviewed data clerk work and communicated with staff accountant assigned to each client. • Managed outsourced cloud accounting for clients including paying vendors, journal entries, reconciling bank and credit card accounts, and direct communication with client.• Delegated work to ensure deadlines were kept.• Organized workload and streamlined processes for Henderson, KY.

Accounting Manager · Researched and implemented an automated accounting system using QuickBooks Pro. · Controlled all aspects of company accounting system including the reconciliation of all accounts, accounts payable, accounts receivable, payroll, taxes, and financial reporting. · Handled all banking transactions including deposits, working with the bank to open new accounts, and acquiring company loans. · Researched state laws to set up a branch of the company in Tennessee. Human Resource Manager · Interviewed applicants for available office positions. · Prepared all paperwork for incoming employees in two states including job offer, federal and state tax paperwork, direct deposit information, and set employees up in accounting system. · Prepared all monthly, quarterly, and yearly payroll tax forms for all federal and state agencies including forms 941, WH-1, WH-3, UC-1, UC-3, 940, and W-2. Office Manager · Supervised and trained receptionists and office assistants. · Researched vendors for office supplies, selecting the best one to fill our needs and maintained relationship. · Found solutions to, and corrected, any problems involving office building, such as general maintenance, IT issues, and moving office furniture as needed for employee support. · Created database to track company assets in order to complete yearly property tax forms, calculate depreciation, and estimate insurable value. Accounts Payable/Accounts Receivable Manager · Created invoices and maintained accounts receivable records by posting incoming payments to accounts and sending statements out to past due clients. · Input bills received, making sure they were charged to clients as needed. · Calculated and submitted sales tax forms to the states of Indiana and Tennessee monthly. · Maintained a list of vendors needing a form 1099 at year’s end. Sent out 1099 forms and filed the form 1098 for company yearly.