• Review loan requests initially to determine the best course of action.• Underwrite and analyze new C&I & CRE loan requests submitted by various credit unions and business development officers that are partnered with Cooperative Business Services.• Recommend approval, decline, pricing, structure and conditions for business credit up to $2MM for new C&I and CRE loan requests submitted by various credit unions and business development officers that are partnered with Cooperative Business Services. • Order and review third-party work as it is needed.• Seek out funding for loan opportunities with partner credit unions as opportunities become available.

• Performed duties related to the underwriting of C&I & CRE commercial loans typically $2.5MM - $15MM in size for customers with revenues from $2.5MM to $75MM.

• Analyzed both business and personal financial information in order to calculate the appropriate level of risk and best solution for both the customer and the financial institution.• Actively prepared commercial credit approval documentation for new loans, loan renewals / modifications, and annual credit reviews (as needed) for relationships with total credit exposure in excess of $250M.• Monthly monitoring of relationships that include the requirement of the customer to provide the financial institution with a borrowing base certificate or quarterly/semi-annual loan covenant compliance certificate.

• Assisted with financial reporting / budgeting on an ongoing basis.• Prepared and delivered sermons on an assortment of topics as needed.• Continuous brainstorming and organization of new ministry ideas for the church especially relating to community outreach• Planned and organized lesson plans and direction for the church’s student ministry.• Made weekly visits / hospital visits to members / friends of the congregation.

• Nominated and participated in Regions Bank Emerging Leaders class of 2014 for Georgia / South Carolina• Analyzed financial data for a $200 million portfolio of problem assets that consists of bothcommercial real estate & C&I loans.• Made suggestions and took part in developing a strategic approach in handling problem loans on a case-by-base basis.• Continuous monitoring and servicing of credits by completing problem loan reports, risk ratingmodels, and other documentation when necessary.• Prepared approvals for loan extensions, risk rating changes, and transfers.

• Compiled, copied, sorted, and filed records of commercial loan documentation to be analyzed by legal counsel.• Made payments to commercial loan accounts and determined how the payment should be dispersed.• Contacted borrowers with delinquent accounts to obtain payment.• Tracked the value of collateral and ordered new evaluations as necessary based on bank policy.

• Assisted customers in analyzing problems and proposed solutions that would meet their needs.• Responded promptly to customer issues, questions and concerns.• Answered telephones, direct calls, and took messages.• Opened, sorted, and routed incoming mail, answered correspondence, and prepared outgoing mail.• Compiled, copied, sorted, and filed records of office activities, business transactions, and other activities.• Initiated money transfers between different accounts pertaining to the same company.• Made payments to commercial loan accounts.

• Analyzed applicants' financial status, credit score, and available collateral to determine feasibility of granting loans.• Obtained and compiled copies of loan applicants' credit histories, financial statements, and other financial information.• Submitted applications to credit analysts for verification and recommendation.• Referred loan applications to management for approval.• Conducted surveys and collected data, using methods such as phone interviews, questionnaires, and company surveys.