• Underwrites and prepares commercial loan packages with total relationship exposure up to $20MM including C&I term loans and operating lines of credit, owner-occupied real estate, investor-owned real estate and homeowner associations.• Scope includes spreading financial statements such as tax returns, audits and company prepared using Baker Hill and nCino to analyze a company's operating performance and financial condition to understand business trends, identify credit risks, meet financial ratios requirements and how the company compares to their competitors and other market factors.• Conducts business, personal and global cash flow analysis to evaluate the borrower's loan repayment ability.• Spreads and analyzes personal financial statements to evaluate personal liquidity, personal debt levels and contingencies. This includes review of credit reports for overall score, liens, and other derogatory findings.• Assess collateral coverage by reviewing accounts receivable, accounts payable and inventory aging reports.• Performs industry and market analysis to identify trends and risks using Dun & Bradstreet First Research, CoStar and LexisNexis.• Identifies Credit Policy exceptions and incorporates suitable solutions to mitigate the risk factors into the credit package and assign appropriate risk rating.• Portfolio management duties include weekly tracking and updating of borrower’s past due payments, maturing loans and credit line expirations.

• Collaborated with credit administration and relationship managers in analyzing credit worthiness of corporations and high net worth individuals for the completion of loan approval packages for new lines of credit, term loans, commercial real estate mortgages and personal mortgages.• Underwrote new loan proposals in excess of $60 million annually with an average loan amount of $4 million to high net worth individuals.• Participated in loan approval discussions and give recommendation on proposed loan structures.• Attended customer visits with relationship managers to meet borrowers and view their business and collateral.• Spread and analyzed complex tax returns and financial statements of corporations with revenues up to $30 million and wealthy individuals with an average net worth of $20 million.• Performed risk rating analysis using a proprietary program according to Basel III guidelines.• Completed proprietary pricing model, collateral analysis, and cash flow analysis (global, business, and personal).• Ongoing loan monitoring responsibilities included financial information tracking, financial covenant calculations, credit file maintenance and other portfolio monitoring for potential profit loss or risk of fraud.• Initiated and reviewed due diligence items such as background checks, credit reports and relevant industry information regarding market trends and risks.

• Maintained accuracy and efficiency when receiving cash and checks for deposits, verifying amounts, examining checks for endorsement and ensuring accuracy when balancing teller drawer of cash and transaction entries• Managed customer portfolios by handling inquiries, monitoring accounts for fraudulent activity and cross selling products to grow customer relations