• Specialized in residential and commercial contracting and design.• Leveraged marketing campaigns to acquire new residential customers resulting in $300M in revenuefrom June to December 2023• Negotiated construction bids with clients to secure competitive pricing.• Managed on-site personnel including recruiting and hiring laborers, subcontractors, and engineers.• Ordered supplies and controlled inventory to keep overhead low and maintain supply availability.• Provided… Show more • Specialized in residential and commercial contracting and design.• Leveraged marketing campaigns to acquire new residential customers resulting in $300M in revenuefrom June to December 2023• Negotiated construction bids with clients to secure competitive pricing.• Managed on-site personnel including recruiting and hiring laborers, subcontractors, and engineers.• Ordered supplies and controlled inventory to keep overhead low and maintain supply availability.• Provided technical guidance to team members as needed when challenges arose during the courseof a project.• Developed job schedules outlining specific tasks to be completed by each contractor and subcontractorwithin a given timeline.• Maintained accurate records of daily progress, costs, and materials used on the projects. Show less

• Directly monitor and assess the credit risks of Delaware’s ~$870MM in commercial loan portfoliosthrough detailed financial statement analysis, industry assessment, collateral valuation, cash flowanalysis and the ability to repay annual debt service.• Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM)activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the… Show more • Directly monitor and assess the credit risks of Delaware’s ~$870MM in commercial loan portfoliosthrough detailed financial statement analysis, industry assessment, collateral valuation, cash flowanalysis and the ability to repay annual debt service.• Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM)activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews (Property Level Reviews and Guarantor Assessments), interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.• Analyze financial information and related materials and complete ongoing credit monitoring for theBank’s commercial transactions. Risk assessment of customers is on an ongoing basis with a focus on identify emerging risks or material changes in customers financial position, including evaluation ofcompliance with the loan agreement. Analyses to include an independent credit quality assessment for existing loans with well-supported risk rating rationale, identification of credit risks and mitigants,industry concerns, market trends, financial trends, and other pertinent credit issues.• Liaison between Commercial Banking Relationship Managers and the Underwriting Team for facilitatingcredit needs of customers, whether through new requests, modifications or annual reviews / renewals. Show less

•  Manage Citadel Federal Credit Union's $175MM commercial lending portfolio•  Responsible for the life cycle of a loan, this includes document retrieval, underwriting, loan restructuring, performance reviews, renewals, and supporting final closing at maturity•  Senior underwriter with experience in investor mortgages, commercial mortgages, non-profits, lines of credit, term loans, equipment loans, vehicle loans, and credit cards•  Performed basic and detailed annual… Show more •  Manage Citadel Federal Credit Union's $175MM commercial lending portfolio•  Responsible for the life cycle of a loan, this includes document retrieval, underwriting, loan restructuring, performance reviews, renewals, and supporting final closing at maturity•  Senior underwriter with experience in investor mortgages, commercial mortgages, non-profits, lines of credit, term loans, equipment loans, vehicle loans, and credit cards•  Performed basic and detailed annual reviews of all loans to assess debt service coverage and risk outlook•  Experienced in identifying, assessing, and mitigating risk within the portfolio. Prioritized high risk relationships and focused on working with the client to lower the risk threshold•  In charge of pandemic relief efforts for the Commercial Lending Department: processed all forbearance requests, guidance for SBA programs, and Payment Protection Program liaison•  Met with clients to discuss financial needs, portfolio adjustments, and business outlook•  Organized quarterly collection meetings with senior leaders to assess company growth, direction, and risk appetite of the credit union•  Analyzed and reviewed real estate appraisal reports. Ensured they are within NCUA standards•  Conducted internal appraisals for residential and commercial real estate properties on loans up to $250M in exposure•  Implemented policy changes for improved efficiency in loan renewal processing to promote client retention and streamlined lending strategies Show less

• Specialized lending unit that focuses on licensed medical professionals including Dentists, Physicians and Veterinarians. • Work independently to decision and structure loan requests through cash flow analysis of both the business entity as well as personal and business guarantor(s).• Singular lending authority of $600K. Loans can exceed $1M in total revenue including commercial real estate purchases.• Above 100% efficiency rate for prescribed workload with… Show more • Specialized lending unit that focuses on licensed medical professionals including Dentists, Physicians and Veterinarians. • Work independently to decision and structure loan requests through cash flow analysis of both the business entity as well as personal and business guarantor(s).• Singular lending authority of $600K. Loans can exceed $1M in total revenue including commercial real estate purchases.• Above 100% efficiency rate for prescribed workload with meticulous, detail-oriented work. • A member of the Delaware Chapter of Military Support & Assistant Group (MSAG) and handpicked to be on the Employee Engagement team for the office.• Excellence with numbers, written and verbal skills, outside the box thinking, ability to build relationships, and unrelenting personal and professional drive. Show less

• Strong networking abilities to obtain new clients or to hire help on larger jobs. Additionally, excellent organizational, presentation and negotiation skills.• Proficient in basic carpentry, plumbing, electrical and landscaping with the ability to problem solve customer issues with high standards, efficiency, and customer retention.

• Graduated top of the class from Marine Corps’ Personnel and Administrative Clerk School.• Served in efforts involving the Commandant of the Marine Corps at the Pentagon and the mail service. • Worked with and supported the highest ranking officials during the Marine Corps promotion process (frequently meant 60+ hour weeks)• Responsible for administrative and financial needs, while supervising accounting personnel and payroll activities.• Responsible for Service… Show more • Graduated top of the class from Marine Corps’ Personnel and Administrative Clerk School.• Served in efforts involving the Commandant of the Marine Corps at the Pentagon and the mail service. • Worked with and supported the highest ranking officials during the Marine Corps promotion process (frequently meant 60+ hour weeks)• Responsible for administrative and financial needs, while supervising accounting personnel and payroll activities.• Responsible for Service Record Book (SRB) audits, including mass audits with 100% accuracy.• Selected as the first to implement radio frequency ID (RFID) tags on SRB's and educator of the specialized equipment that came with it. • Nominated to be the Systems Integration Representative and SharePoint Proctor for the 32 Area IPAC • Selected to be on the Unit Administrative Assistance Team that serviced the entire Marine Corps Base Camp Pendleton. Show less