Fast paced position requiring extensive C&I and CRE experience to underwrite aircraft loans with a sense of urgency for same day decisioning; serve as initial point of contact for new applications, loan inquiries, and maturities; interact directly with brokers, borrowers, CFOs, and accountants to streamline underwriting process for thorough and quick turnaround; prepare collateral evaluations and assess adequacy of appraisals; review loan documents to ensure approval conditions have been met in order to convey clear title; execute loan closings in conjunction with FAA escrow companies; mentor and train credit analysts and loan assistants; deliver exceptional customer service to develop and maintain relationships with borrowers and network of brokers

Perform detailed analyses to determine creditworthiness, collateral coverage, debt service capacity, and risk profile of existing and potential borrowers; recognize and assess pertinent risks, and identify the impact of financial, non-financial, and external factors, ranging from management issues to general economic and industry conditions; review real estate appraisals to ensure valid collateral value and compliance with USPAP; accompany loan officers on visits to meet with clients/accountants and inspect collateral; assist the Credit Department Manager in training and development of junior credit staff and in administrative duties; assumes all responsibilities of the department in the manager’s absence.

Senior analyst for commercial underwriting and portfolio management; mentored junior staff; prepared detailed financial analyses in conformance with SBA and USDA guidelines to determine creditworthiness, collateral coverage, debt service capacity, and risk profile of potential borrowers; communicated with USDA representatives regarding annual loan reviews, covenant compliance, and modification/collateral release/subordination requests; sought secondary market approval as necessary; designed and integrated global debt service coverage into financial analyses prompting commendations from USDA representatives and independent auditors for improved quality and thoroughness of loan reviews as well as new underwritings. (brief employment due to layoff; department was eliminated)

Hired to support the C&I division of the commercial lending department; prepared detailed financial analyses for existing and potential borrowers and annual reviews; participated in process improvement program(brief employment due to department relocation)

Contributed to the development and implementation of the SBA Express Loan Program including procedures and documentation; provided training and support for the SBA program to branch managers and lenders; managed portfolio of small business loans with $250M lending authority; performed detailed financial analyses in support of commercial lending function; reviewed portfolios of lending officers to evaluate collateral, financial position, and adequacy of data; prepared complex management reports utilizing Crystal Reports software and SQL database functions.Other positions held: Senior Commercial Loan Assistant (May 2005 - September 2007), Trainer (October 2002 - May 2005), and Marketing Assistant (Feburary 2001 - October 2002)

Executive Assistant (First Massachusetts Bank): Provided administrative support to Regional Vice President; managed floating branch staff and after hours ATM service team; developed and monitored department budgets.Operations Manager (Shawmut Park Ave): Managed a staff of twenty-two; allocated work and made decisions regarding employment, performance appraisals, training and development, salary recommendations, and promotions; directed staff in handling complex transactions; transferred to Executive Assistant.Teller Manager at Peoples Savings Bank (1991 - 1994)Peoples was bought by Shawmut in 1994, which was then bought by Fleet; in 1996, 14 Shawmut branches were divested and became First Massachusetts Bank, later renamed to Banknorth Group.