• Carries out studies to determine the credit position of clients or potential clients, based on financial information and using modern credit analysis techniques and recommends establishing lines of credit or renewal of existing lines• Prepares loan review exception reports.• Interviews applicants and requests specified information for credit application.• Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting credit facilities • Portfolio Manager, Accounts Receivable• Corresponds with or interviews applicants to resolve questions regarding application information.• Coordinates with account managers in Europe, Caribbean, Central & South America on loan disbursement process, including review of legal and financial documentation, documentation and perfection of collateral or guarantees, verification of indebtedness limits, internal credit approval, etc.• Compiles and types statistical reports.• Helps clients complete applications for bank services, such as wire transfers.• Interviews clients to obtain information and explain available financial services such as checking, money market, and time deposit accounts and investment services.

• Underwrite all Business Credit Card applications and small Line of Credit loans • Assist large loan underwriters with performing cash flow analysis• Perform annual or semi-annual Loan Reviews• Collection of documents for annual reviews.• Past due loan collection calls• Appraisal ordering and review• Ensured the integrity of the loan request, credit file and all additional supporting documentation (electronic and paper-based). • Responsible for obtaining, imputing, maintaining and verifying data integrity on One Workstation, Steller, and other SB America LLC information systems.• Reviewed and analyzed credit files, imaged files, and financial statement application packages for completeness. Screened and submitted all incomplete application notices to sales associates for further follow up.

• Responsible for obtaining, inputting, maintaining and verifying data integrity on Desktop, Merlin, RIMS, and other Bank information systems. • Interacted with Sales Associates, Client Managers, Approval Officers and Business Credit Specialists.• Reviewed and analyzed credit files, imaged files, and financial statement application packages for completeness. Screened and submitted all incomplete application notices to sales associates for further follow up. • Distributed completed loan application packages to Decisioning or Portfolio Management teams. Prepared and processed post-decisioning packages. • Prepared and scanned documents in virtual imaging.• Kept daily and weekly production logs.• Ensured the integrity of the loan request, credit file and all additional supporting documentation (electronic and paper-based). • Trained and oriented incoming staff and manager on the usage of systems and processes• Delegated basic loan and credit tasks to 15 Application Specialist on a daily basis.