Joe Beck Email & Phone Number

Victor, New York, United States

Batavia, New York

As Senior Credit Analyst, I worked closely with Relationship Managers, handling the most complex and largest credit exposures for the Bank, specializing in several different industries, while also offering training and support to the Credit Team.

Managed a team of credit analysts, providing technical assistance and quality assurance in the preparation of credit reviews, as well as handling all aspects of initial and ongoing training. Managed workflow process for prioritization of loan requests and timely credit decisioning, while maintaining overall comprehensiveness of underwriting and established.

Team Leader for credit analyst group and directed all training activities. Worked with Department Manager to make all personnel decisions. Lead analyst on work requests involving the most complex loan structures and the highest commercial loan exposures, as well as extensive work with troubled credits.

Analyzed financial statements, tax returns and other information to develop written credit offerings, assessing credit-worthiness by identifying strengths and weaknesses, as it pertains to historical and projected performance.