- Approval Authority up to $1MM exercised individually or in concert with risk management to extend appropriate financing solutions to customers.- Responsible for underwriting new loan requests, renewal/refinance of existing loans and any modifications to existing loans for credit relationships with exposure of $250M to $3MM for Bank of America’s national Small Business Banking Group. Client revenue size is typically $1MM to $10MM. - Underwrite loans for General Industry clients along with specialty industry groups such as not for profit and religious organizations.- Received training and currently underwrite dental, medical and veterinary enterprise loans under Bank of America’s Practice Solutions Group.- Direct or participate in credit interviews with new or existing clients on most credit requests. Integral in negotiating potential terms and counteroffer of terms, products or loan amounts as necessary.- Mentor and advise Client Managers on potential credit prospects, expanding credit relationships with existing clients and possible cross sale opportunities for new and existing clients.- Prepare credit approval memorandums (approval document) which contains due diligence including market and industry research, in depth financial analysis of company and guarantor(s), business and global cash flow analysis, collateral analysis, and financial projections. - Analyze financial data to provide proper risk rating, monitor covenant compliance, and perform collateral valuations.

Responsible for completing annual/interim reviews, renewals and modifications of Business Banking credit relationships for the Georgia/ Alabama Market. Part of team which is responsible for total portfolio of over $400MM in committed exposure including over 150+ relationships consisting of general commercial industries, not for profits, healthcare, contractors, professional service firms, and religious organizations.

• Completed a 10-month Corporate Banking Training Program (Credit Analysis, Audit, Treasury Management, Regulations, and Documentation Training)• Maintained, managed, and monitored a portfolio of residential projects, builder lines, working capital lines, multi-family loans, independent living facility loans, and land loans with collective committed loan amounts of over $100MM within a 2 year period. Individual loan commitments ranged from $1MM to $40MM. Duties included annual and semi-annual reviews which evaluated the status of each real estate project, construction review, documentation review, covenant checks, Debt service coverage ratio check, personal financial statement analysis, global cash flow analysis, and borrower financial statement analysis.• Performed analysis for new loan requests to the bank in order to determine credit risk and grade. Prepared dual risk rating analysis for new and existing loans. • Worked on “criticized” loans in the portfolio with relationship manager and senior credit officer to determine correct rating for non-performing and potential non performing loans. For non performing loans the relationship manager and I negotiated and established forbearance agreements, started foreclosure actions, and prepared for loan sales.• Maintained database for criticized loans in my portfolio, tracking all related events that could include dates, negotiations, and action steps for each loan.• Prepared detailed loan presentations for new and renewal loan requests which included project information, guarantor financial analysis (global cash flow analysis), borrower financial analysis, market information and project underwriting. • Worked with prospective and existing clients to obtain detailed financial information needed for loan presentations to Regional & Corporate Loan Committees. Presented all loans written and orally to these committees under the supervision of a relationship manager (loan officer).