Manage team of Credit Analysts and Credit Administrative Specialists who perform credit analysis, underwriting and monitoring of a designated commercial loan portfolio, as well as administration within the department.

Underwrote commercial loans for the Bank through the analysis of all relevant financial statements. Determined the financial viability of a company’s cash flow to measure the Bank’s loan risk. Worked interdependently with other Bank teams to ensure a sound, efficient loan process to serve each customer and the Bank well.

Analyzes financial information, company’s business and industry to prepare formal business loan approval recommendation document. Involved in other loan product process as needed. Supports credit report and collateral document information requests. Ensures that applicable bank lending policies and credit management practices are followed to protect the bank from loss. Assists senior officers; business loan consultants and consumer loan officer as requested.

Manage accounts payable and accounts receivable; assist with establishing and implementing operational policies and procedures to manage growth spurt experienced from recent acquisition.

Commercial Portfolio Analyst/AVP 2009 – 2013Managed credit risk of an assigned commercial portfolio up to $50 million with aggregate credit exposure of $250,000 to $3 million per client. Lending authority up to $500,000.•Developed and formulated structure changes on existing commercial credits, as necessary, to mitigate risk of loss•Identified deteriorating credits and the mitigation of risk in a timely manner •Collaborated and consulted with the market/client/CPA to maintain risk rating accuracy including collateral evaluation•Developed action plans and made appropriate recommendations for transfer to default management areas•Mentored Portfolio Specialist in assigned accountabilities•Made decisions on credit maturities/renewals while maintaining acceptable credit quality and consistently applied credit policy to all potential transactions – assisted in structuring loans for new clients as needed•Made daily overdraft decisions of existing commercial and consumer clients within portfolio up to $100,000•Maintained integrity of credit information presented to allow for proper management of commercial risk to the bank•Prepared and presented managed asset portfolio to Watch Review Committee

Analyzed the financial position of commercial clients and prospects.

Provided administrative assistance to Group Manager and commercial bankers.

Supervised associate and managed commercial financial center.