Managed national account portfolio with emphasis on negotiating loan liquidations while minimizing loss. Selected as a key member of the liquidation team; exceeded liquidation and loss ratio goals by 37%. Negotiated short-term extensions and credit enhancements including principal pay downs, rate/fee increases, guarantees, and increased amortization on maturing loans. Presented market analysis, operating performance and discounted cash flow / present value analyses on impaired loans to senior management.

Managed commercial loan activity and served as liaison for all internal and external groups to successfully administer loans. Managed a portfolio in excess of $100 million in commercial real estate loans; included collaborating with the sales, credit, and legal teams throughout the loan closing process.Led Six Sigma project on streamlining and clarifying loan modification process. Recommended and underwrote loan modifications as necessary. Presented operating performance and recommended courses of action to senior management. Worked closely with legal team to insure proper loan documentation.Performed onsite inspections of collateral within the United States, Canada and the Caribbean.

Successfully performed all phases of portfolio management including collecting and spreading financial statements, billing, collections, and monthly reporting. Developed and maintained spreadsheets used to analyze financial data. Met with customers annually to review operations and inspect collateral. Promoted from Senior Portfolio Analyst within three years

Monitored dealer credit and operations performance through detailed financial statement analysis. Reviewed and presented capital and construction loan requests and lineincreases to management. Performed floor plan audits at dealerships to physically verify collateral and its value, or if sold, that PACCAR was paid.