Kendra G. Email and Phone Number

 Performs on-going field exams of prospective, recurring problem and non-problem for international and domestic borrowers. Responsible for establishing and implementing the scope of field examinations, providing industry specific recommendation for the borrowing base structure, and reviewing the loan/credit documentation as it pertains to the collateral. Lead critical/complex/high risk profile field examinations on prospective and existing borrowers. Prepares examination reports summarizing results and recommendations used by Loan Admin and/or Underwriters to verify and determine, the credit worthiness of collateral securing the loan. Communicates and escalates as necessary exam findings, delays, and areas of perceived risks to internal counterparts including Field Exam Managers, Relationship Managers and Underwriters. Provides collateral risk management support to Loan Admin and Underwriting as it pertains to structuring of the borrowing base, accuracy of borrowing base calculations, and documentation of risks. Evaluates accounting systems, internal controls, operational procedures and data integrity as a risk management tool to ensure collateral is being reported accurately and in compliance with the loan agreement. Train and assist with the development of financial analyst’s transitioning through the Field Examination Department. Provide feedback to financial analyst to ensure the work produced is commensurate with departmental standards. When necessary, review field exam reports completed by less experienced field examiners.

 Performs periodic field examinations of asset-based lending clients' collateral and financial position. Validate the integrity of the clients reporting, compliance with loan agreements and collateral reporting requirement by completing financial analysis, reconciliation of key accounts; quantitative and qualitative valuation of collateral.  Performs initial audits of prospects' records and establishes initial reporting methods and procedures for the submission of supporting collateral documentation.  Functions as a liaison between the portfolio manager and the client in providing recommendations for implementation or improvement of collateral control or reporting procedures. Prepares audit reports and supporting work papers for review and discussion with management and the respective business units

 Supervise and support a staff of three credit analyst and two credit administrators through performance management coaching and development. Management responsibilities included sourcing and hiring talent team members, providing on-going coaching and feedback, recognizing and development team members. Responsible for controlling and mitigating the risk of credit accounts while ensuring profitability goals. Prepare written analyses and recommendation to Senior Management for credit limits exceeding authority. Analyze and interpret financial and credit information to evaluate credit worthiness of new and existing customers. Reviews include evaluation of risk from financial statement spreads, review of references, Dun & Bradstreet reports, performance appraisal and analysis of guarantor experience. Negotiate credit terms with customer and sales personnel. Evaluation of seasonal credit line requirements and discussion with customers and manufacturer regarding credit facility needs. Perform lengthy legal audits of new and existing customers to ensure the company is properly collaterized. Set-up of new customers accounts after approval including execution of legal documents, intercreditor and subordination agreements. Assessment of covenant compliance and taking appropriate action for violations.

 Managed and supported a team of 25 Bankruptcy Representatives through performance management, coaching and development. Administrative responsibilities entailed hiring, scheduling and policy application through coaching and feedback Responsible for controlling the losses of bankruptcy accounts by ensuring timely processing of legal documentation. Provided support and assistance to bankruptcy staff members in the effective management and resolution of bankruptcy accounts.  Reengineered bankruptcy process that enabled that department to reduce costs by $500,000 annually, while improving accuracy with an error ratio of less than 2%.  Conducted performance appraisal and coached/counseled to foster an efficient and effective team environment. Developed monthly and quarterly payroll budget for department