Joyce Germano Email & Phone Number

Dulles, Virginia

• Manage and grow a $600 million credit portfolio of electric cooperatives across three states
• Originate and perform analysis on credit, including underwriting and loan documentation customized to each borrower
• Complete ongoing review of loan portfolio and reassess member financial performance and risk ratings
• Build member relationships by consulting on current and future financial needs and abilities, while providing top tier customer service and satisfaction
• Service loans and release funds as needed based on member needs

Dulles, Virginia

• Perform audit reviews and prepare risk ratings of financial statements
• Analyze financial statements and prepare credit recommendations for new loan products
• Support team members by originating loan proposals, running reports and creating queries
• Communicate with member cooperatives and maintain business relationships by delivering onfinancial requests
• Assist in cultivating relationships to help identify new opportunities for NRUCFC

Arlington, VA

• Lead internal audits for sales and use tax department
• Ensure compliance and understanding of sales, use and occupancy tax
• Collaborate with external auditors to produce proper tax assessments
• Manage a portfolio of 30 hotels for proper state and local tax filings
• Train new department employees as well as hotel upper management

Fair Oaks Branch

• Received promotion from Teller to Lead Teller after 12 Months
• Attended monthly meetings with Regional President to discuss and improve policy and procedure
• Mentored by Regional Compliance Consultant while assisted in compliance reviews of region
• Maintained bank teller responsibilities while standing as a Security Officer within the branch
• Worked with branch management to train and manage appropriate operations
• Completed Currency Transaction Reports (CTR), Suspicious Activity Reports (SAR) while complying with Bank Secrecy Act (BSA)

Alexandria, VA

• Provided support to agents with sales and client servicing
• Assisted clients in claims processing
• Quoted clients on home, auto and bundle policies
• Tracked and reported agent’s sales production

Master Of Business Administration - Mba

Bachelor Of Science (Bs), Finance

Activities and Societies: Beta Gamma Sigma Honors College Magna Cum Laude

International Baccalaureate Diploma

Activities and Societies: National Honor Society; Key Club; French Honor Society