Lauren M. Email & Phone Number

Lubbock, TX

• Monitor and assess bank’s asset quality based on prudent lending practices and adherence to internal and regulatory requirements through monitoring of newly approved loans, continued compliance of existing loans and.
• Develop the annual loan review scope through identification of relevant trends within the portfolio and lending markets, deficiencies in underwriting, liberal policies and weak credit management isolating portfolio.
• Report monthly to Executive Management and quarterly to the Board of Director’s Audit Committee on the asset quality of the bank including accuracy of risk ratings, sufficiency of underwriting, adherence to policy and.

Lubbock, TX

• Analyze the asset quality of the bank’s loan portfolio identifying potential concerns and repayment abilities based on financial statement and cash flow analysis of loans considered to be troubled, weak, delinquent, etc.
• Identify relevant trends affecting loan collections isolating portfolio segments for further review ensuring accurate risk rating and adequacy of the bank’s allowance
• Oversee monthly reporting on the asset quality for the market including credit statistics and loan portfolio concentrations

Lubbock, TX

• Ensure accuracy of assigned credit risk grades and proper reporting of collateral and financial exception through detailed review and analysis of financial information, loan structure and performance, and collateral.
• Review and report on the status of the real estate loan portfolio noting compliance issues while continuously reviewing appraisals for accuracy and compliance with bank and regulatory policy

Mba, Finance

Summa Cum Laude

With Honors

Education record

Bachelors

Magna Cum Laude with Highest Honor's from the Honors College