Kellen Walker Email & Phone Number

Las Vegas, Nv, Us

Las Vegas, Nv, Us

United States

Las Vegas, Nevada, United States

• Responsible for compilation of data as it relates to preparation of credit packages (or pre-screens) incorporating spreads, cash flow, value of related collateral, appraisals, audits, and other data.• Interpret outcome of analysis and prepares summary, recommendations and may make joint presentations with Relationship Manager (RM) to Credit Approvers on renewals and new loans submitted.• Responsible for evaluating, analyzing, and forming opinions for the approving or denying of commercial, commercial RE, and/or business banking loan applications.• Accountable for spreading financial statements, identifying credit strengths and weaknesses, providing detailed and documented analysis of credit worthiness.• Ensure credit requests are processed in accordance with bank policies, banking regulations and laws.• Identify risk and mitigating factors related to conducting a thorough credit analysis for approval.• Respond to internal and external customer inquiries. • Recommend exceptions based on findings.• Work closely with RM on the more complex aspects of loan structuring, including long term, fixed vs. variable rates, pre-payment penalty and other variables (if needed).• Assist with managing the compliance of administrative and tested covenants of one the larger, more complex C&I portfolios ($100MM). • Function as mentor to a junior member of the team and demonstrated leadership as Contractor SME on the team, developing and implementing a contractor CP template, visible at the Zion Bancorp level.• Underwrote new/renewal/extensions loans for mid-level and large revenue businesses.

Alamosa, Co

• Managed 100+ client relationships, commercial and agricultural, throughout the Southern half of Colorado. Total portfolio of approximately $110MM.• Consulted with customers to understand their desires and suggest the best products to meet their needs.• Guided new and existing clients through the entire loan process from information gathering to loan closing. • Participate in GAP analysis to ensure both sales growth and loan production are meeting budget projections.• Prepare and discuss quarterly problem loan report with upper management.

Alamosa, Colorado, United States

• Analyzed credit reports for current and late payments, collection accounts, and charge-offs.• Used software to input a variety of financial information including business and personal tax returns, and financial statements.• Experienced in underwriting different loan types: Commercial, Agricultural, Consumer, and Mortgage.• Identified and mitigated credit risks.• Proficient in underwriting credit memorandums with government guaranteed enhancements and have completed GSA, SBA, USDA, and CHFA guaranties and participations.• Trained new employees in financial statement analysis and identifying credit risks.• Worked closely with Lending Team to learn more about meeting both customer and Bank needs, as well as sales techniques.

Alamosa, Colorado, United States

• Process Commercial, Agricultural, and Consumer loans for six branches of the Bank meeting urgent closing deadlines.• Ensure loans comply with Bank policies and Federal Regulations.• Secure loan collateral such as Deeds of Trust, State and County UCC’s, Water-Stock Assignments.• Process Commercial and Consumer PAID loans and release all necessary collateral.• Verify that Title Policy Requirements are satisfied, and balance loan fees with title company’s HUD.

Colorado Springs, Colorado, United States

• Key responsibilities include selling loans and insurance products, making recommendations of credit worthiness, and closing the sale.• Analyze and offer financial solutions to customers by utilizing the loan products available.• Working and recommending solutions to difficult delinquent accounts.• Schedule loan closings, obtaining and verifying necessary documentation that is compliant with state and federal regulations.• Processing loan applications and performing administrative tasks (such as cash drawer management, answer customer phone calls, routine typing, order supplies and pay bills), and servicing accounts.• Manage the life cycle of the loan, including collections activities, complying with all laws and regulations.