Kim Cox Email & Phone Number

Atlanta, Georgia

Guides Credit Risk Review’s Commercial Real Estate Credit Program Delivery team. Discovers areas of improvement within underwriting, structuring, risk rating process, risk rating accuracy, and adherence to the Bank's risk appetite. • Ensured accurate completion of Board mandated coverage activities.• Managed completion of Horizonal, Targeted, or Special Reviews. • Led Credit Risk Review identified Issues. • Promoted career development through active coaching, identifying training opportunities, and performance reviews.• Guided 11 teammates tasked with completing coverage activities, monitoring changes within assigned portfolios, and completing a quarterly risk assessment, identifying current and emerging risks internally and externally.• Drove coverage activities and completion of quarterly management reporting, which summarizes trends in Credit Risk Review's results and completion of Horizontal, Targeted, or Special Reviews.

Greater Atlanta Area

Guided asset quality and credit management processes in assigned Commercial Real Estate portfolios. Monitored Real Estate Corporate and Investment Banking (REITs) and Institutional Private Capital.• Investigated asset quality indicators, reported trends and emerging problem credits, identified areas of increased risk exposure, interfaced with line officers, unit managers, and credit risk managers, and led and participated in Credit Process Reviews with subsequent written and verbal reports to management. • Member of Credit Risk Review’s Continuous Focus Group, which reviewed processes to drive for efficiency

Alpharetta, Georgia

Managed a robust portfolio containing commercial properties totaling $69M and 34 relationships. Underwrote income-producing properties to include industrial, hospitality, office, and multi-family. Evaluated property income-generating potential by assessing its cash flow, rent rolls, and tenant leases. Executed property analysis through cash flow analysis, rent rolls, tenant leases, and market data to determine the asset's underlying value. • Ensured credit was reserved accurately by determining the appropriate risk rating for each relationship. • Performed site inspections to evaluate real estate collateral and market competitiveness, managed past dues, CMT ticklers, document exceptions, and reviewed loan files for compliance and deficiencies.

Alpharetta, Georgia, United States

Offered credit and support to multiple Commercial Real Estate Managers who handle complex commercial real estate loans for relationships with $10M+ in an exposure. Underwrote income-producing properties to include industrial, hospitality, office, and multi-family. • Ensured credit was reserved accurately by streamlining inherent risk in a real estate project, including environmental, construction, market, tenant, and product-specific risk, to determine the appropriate risk rating for each relationship. • Performed property analysis through cash flow analysis, rent rolls, tenant leases, and market data to determine the asset's underlying value. • Digested the needs of the client to anticipate future profitable revenue opportunities.

Braselton, Georgia, United States

Designed and deployed a monitoring system for tracking recovery dollars for banks purchased under the FDIC Loss Share Agreement. Developed policies and procedures to create consistent and streamlined processes for the Special Asset Department. Led a portfolio containing mortgage loans, consumer loans, acquisition and development loans, and residential and commercial real estate loans totaling $20M and consisting of 40+ relationships. • Monitored portfolio to ensure relationships were risk rated appropriately, reviewed loan files, and prepared loan assessment for Senior Management, external loan review, and federal regulators. • Developed credit package, due diligence, and strategy to Senior Management on all relationships. • Ensured activities and decisions complied with Bank policy, procedures, and Federal Banking Regulations.

Greater Atlanta Area

Guided seven Special Assets Risk Officers. Led portfolio of troubled assets containing residential and commercial properties totaling $292M consisting of 1,300+ relationships with loans of $2.5M in an exposure. • Maximized value and minimized losses by designing and approving strategies, including workout, rehabilitation, and recovery. • Offered expertise in credit processes and credit decisions and ensured that all activities and decisions complied with Bank policy, procedures, and regulatory guidelines. • Managed performance by eliciting the best performance of employees through coaching and mentoring.• 2012 Chairman’s Award recipient

Atlanta, Georgia, United States

Guided a portfolio containing residential and commercial properties of $80M. Established 45 relationships. Underwrote income-producing properties to include industrial, hospitality, office, and multi-family. Evaluated formal property income-generating potential by assessing its cash flow, rent rolls, and tenant leases. • Ensured credit was reserved accurately by guiding appropriate risk ratings for each relationship. • Restructured loans were based on the collateral and the borrower's capacity to continue service debt.• Executed due diligence and strategy to Senior Management on all relationships on a quarterly basis.• Spearheaded foreclosure proceedings or filed suit under the Note in default situations, managed past dues, non-performing loans, and charge-offs, and reviewed loan files for compliance and document deficiencies.

Bachelor Of Business Administration (B.B.A.), Finance, General

Associate Of Arts - Aa, Business Administration