Key Accomplishments and Expertise:Client-Centric Approach: Known for my commitment to understanding the unique financial needs of clients, I excel in delivering tailored lending solutions that align with their business objectives.Geographic Reach: Serving businesses in diverse communities, I have established a strong presence in Berrien Springs, St. Joseph, Baroda, and Stevensville, contributing to the economic growth of Southwest Michigan.Process Enhancement: Instrumental in implementing innovative processes within our business banking software, Sageworks by Abrigo. These enhancements, starting from loan origination and extending through the credit team and loan processors, have significantly improved operational efficiencies.Training and Development: Taking a proactive role, I provide hands-on training and coaching to team members, ensuring a seamless adoption of new features within Sageworks. This initiative not only enhances overall departmental efficiencies but also ensures accuracy in loan risk ratings and reporting.

In my role as Assistant Coach for the inaugural season of Andrews University’s first competitive women’s volleyball team, I had the privilege of helping lay the foundation for a brand-new program. From day one, I focused on player development, both on and off the court, fostering an environment of continual improvement and teamwork.On the court, I worked closely with the coaching staff to design and implement effective practice plans that emphasized skill-building, strategic gameplay, and team cohesion. Off the court, I encouraged increased focus on nutrition and wellness, and provided support to help them achieve their goals as student-athletes.One of the most rewarding aspects of this role was building strong connections with the players—watching them grow not just as athletes, but as individuals. It was an honor to help guide and support these young women through the challenges and triumphs of our inaugural season, contributing to the growth of women’s athletics at Andrews University and setting a positive standard for the future of the program.

As a mortgage lender, I meet with clients to ensure they have a full understanding of their residential mortgage options and the risks and benefits of each. I am skilled in establishing, developing, and maintaining client referral relationships with potential and existing customers to grow business.NMLS: 2223418

As Lead Underwriter and Assistant Vice President at a $500 million community bank, I managed crucial aspects of commercial lending operations. My primary responsibility was to underwrite commercial real estate loans, ensuring their alignment with regulatory standards and the bank's risk appetite. Doing this in a way to balance efficiency with risk tolerance was a key focus in growing our department.Beyond underwriting, I played a pivotal role in the strategic decision-making process by preparing comprehensive statistical reports on the bank's commercial real estate loan portfolio. These reports were presented monthly to the Board of Directors, providing key insights into portfolio performance and risk exposure.Additionally, I led the overhaul of our risk rating models, transitioning to a dual-rated model incorporating PD and LGD metrics. I collaborated with the Chief Credit Officer to continually update lending policies and implemented stress testing protocols to assess portfolio resilience.Moreover, I played a key role in talent development, training new analysts and underwriters, and contributed to policy formulation. Overall, I enhanced risk management practices and fortified underwriting standards, ensuring alignment with regulatory requirements and industry best practices while also improving efficiency in our credit process.

• Planned website development, converting mockups into usable web presence with HTML, CSS and JavaScript coding.• Ran debugging tools such as Firebug and Chrome Inspector to eliminate flaws and glitches prior to publishing.• As project manager I would maintain all current websites hosted with TJ21 as well as delegate tasks to other employees, ensuring we meet our deadlines.

• Top sales consultant in Chattanooga 10 of 15-months employed, finishing among the top 25 in the country spanning over 300 clubs.• Maintained over $30,000 in gross sales monthly throughout employment.• Developed strong member relations with caring and collaborative approach.• Performed lead generation tactics to bring in daily appointments for sales presentation to prospects.• Successfully used up-sell techniques to bring members into high level fitness and training programs.• Built local business relationships to create health fairs and corporate wellness accounts.