Kale Powers Email & Phone Number

Duluth, Georgia, United States

Madison, Ga

• Completed Credit Analysis across a wide variety both commercial agricultural and consumer loans including real estate transactions, equipment and livestock purchases, construction loans, and lines of credit for agricultural purposes.• Analyzed tax returns, financial statements and profit & loss statements on a personal and corporate level with a deep understanding and application of their contents to compile consolidated analysis to make appropriate credit decisions.• Provided compiled credit narratives and analysis for transactions within and outside of personal authority to allow sound decision-making capabilities of the approving officer.• Utilized Scorecard underwriting techniques when conditions met underwriting guidelines for efficient credit analysis.• Worked directly with junior underwriters to aide in credit analysis development and accelerate their future growth.

• Proficient in the use of Excel including the use of pivot tables and VLOOKUP.• Analyzes applicants’ financial reports, financial status, credit, and asset valuations to determine feasibility of granting loans.• Manages third-party appraisal process for all real estate assets to be taken as collateral.• Develops and maintains positive relations with customers and local bankers.• Responsible for managing a territory of 64 counties.• Proven track record of success in meeting annual goals for new loans and total volume closed.• Implemented and aided the transition to a new loan servicing software.

Hamilton Mill, Ga

• Exemplified reliability and punctuality by completing all assigned tasks in a timely manner.• Managed 20 sites to prevent turf damage through the heat of the summer.• Coordinated and supervised a 2 man team and maximized team’s potential by delegating tasks to member’s strengths.• Operated multiple pieces of heavy equipment on a daily basis.• Analyzed sited and applied chemicals when needed.

Bachelor Of Arts - Ba, Finance, General

Associate Of Arts - Aa, Business Administration And Management, General

Diploma, Honor Graduate