Keith Klein Email & Phone Number

Mckinney, TX

Mckinney, TX

• Investigates all available sources of credit and financial information.
• Analyzes financial statements and related material to determine level of risk involved with extending credit. Ensure compliance with the applicable policies and procedures.
• Ensure compliance with regulatory requirements and SBA/USDA requirements.
• Prepares Credit Memo, presents facts and offers opinions concerning credit-worthiness. Conducts verbal presentation to the director’s loan committee.
• Prepares loan reviews for Asset Classification Meetings

• Perform detailed credit summaries and financial analysis for borrowing relationships to determine risk.
• Perform review of commercial loans with an emphasis on the following:o Adherence to loan policy and regulationo Proper collateral documentationo Adequate supporting financial informationo Repayment ability of borrowers.
• Assign risk rating to loan and credit relationships with adequate documentation for the decisions.
• Review consumer loan files for adherence to policy, regulatory compliance, proper documentation, and quality of credit underwriting
• Assist in preparation of loan/loan review related reports as required by management.

• Analyzed financials of commercial customers to determine repayment capacity.
• Compared financial ratios, leverage, and trends to determine the borrower’s ability to handle and repay its debt.
• Reviewed the accuracy of assigned risk ratings, class codes and collateral codes of real estate secured loans.
• Reviewed credit and collateral documents for accuracy and to ensure compliance with bank policy and federal regulations

• Analyzed financials of commercial customers who had loans exceeding $1M in exposure to determine repayment capacity.
• Compared financial ratios, leverage, and trends with that of the industry to determine the borrower’s ability to handle and repay its debt.
• Completed up to $36M in exposure of loan reviews, surpassing goals of $25M in exposure per month.
• Rated commercial customers with loans of $250,000 to $80M of exposure to the bank to identify its risk of loss.
• Reviewed credit and collateral documents for accuracy and to ensure compliance with bank policy and federal regulations.