Lorian Dixon Email & Phone Number

Cincinnati, OH

Cincinnati

• Responsible for gathering and managing credit and financial information for quantitative and qualitative analysis of commercial loan, commercial real estate and other banking products within the franchise commercial.
• Perform financial analysis and risk assessments on said credits of the respective portfolio.
• Determine the advisability of granting credit.
• Instrumental in decreasing outstanding exceptions by 80% within a six-month time frame.

Cincinnati, Ohio Area

• Helped create underwriting and risk analysis processes of a previously uncharted line of businesses within highly regulated industries. Ensured mitigation of all risks associated with sponsorship of potential clients.
• Minimized risk via appropriate account structures including but not limited to reserves, collateral, and agreement terms.
• Analyzed company's business operations based on industry trends, strength of company's financial performance and processing history.
• Ensured compliance with internal policy requirements and Network standards

Cincinnati Area

• Managed a group of five Underwriters with varying levels of skill. Delivered reports to senior management detailing risks and revenue. Partnered with the Credit Vice President to update risk policies and underwriting.
• Gathered financial details for management decisions to remain competitive and aligned with industry standards.
• Recommended maintenance or addition of collateral as deemed necessary.
• Increased efficiency by directly improving department moral via use of various team building exercises, placing focus on personal strengths and cross training rotations.
• Successfully implemented a work from home initiative that increased productivity by promoting work / life balance skills.
• Revamped and implemented intra-departmental policies clearly and concisely addressing expectations

• Examined business and personal documentation including credit bureau reports and financial statements to determine credit worthiness. Analyzed business financial statements using Moody's Risk Analyst. Calculated.
• Initially employed as Credit Analyst I; multiple promotions resulted in final role as Team Lead in 2008.
• Instrumental in the training and development of all new talent.