Monitor and assess the credit risks of larger, more complex commercial loan portfolios and higher dollar loans through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.The Commercial Credit Portfolio Management Department is responsible for the ongoing monitoring process for the Bank’s commercial loans to ensure timely and accurate credit risk ratings and compliance with both credit policy and loan agreements.This position interacts with Commercial Banking Relationship Managers throughout the bank’s footprint, as well as other internal personnel, on credit monitoring of $30MM+ typically.

Mortgage Loan Officer helping clients achieve their home financing goals. A mortgage is often a person's largest investment for most of their life and we look at all options to make sure we are not only providing great rates and terms but an overall strategy that matches the clients long term goals. I specialize in all facets of mortgage financing including "first time" and "move up" Homebuyers, Jumbo financing, Purchase and Refinance solutions. M&T offers some unique offerings with CRA products and Grant Programs only offered by M&T Bank. Make sure you ask me about our HomeStarter Program allowing a 1% Down Payment on a Purchase transaction. I have the resources and over 25 years of experience in lending to assist you in all facets of the home ownership experience.

Originate Commercial Lending opportunities with businesses up to a revenue size of $20MM and loan sizes up to $6MM. Prepare credit grades and recommendations based on cash flow coverage, asset allocation and various financial ratios. Analyze and prepare spreads with the business financials and perform market analysis. Manage the portfolio of commercial loans and be responsible for the credit underwriting, credit process management and the recommendation for approval on both new loans and renewals. Offer Deposit Services, Treasury Management, Merchant Accounts, Insurance Product Services, Asset Management and SBA analysis.

Serve as a Market Leader in the BB&T Bank Community Banking Model for the McLean, VA market area and previously in the Loudoun Market.

Managed a De Novo Center for PNC.

Director of New Business Development in MD and VA for Chevy Chase Bank's wholesale lending products. Managed Broker and Lender Wholesale Banking relationships for Chevy Chase Bank. Originated Conventional, FHA, VA and Construction Financing on Residential Properties.

Managed a group of Account Executives and participated in the development of a National Call Center to maximize efficiency and improve client loyalty. Started a correspondent lending platform for lenders to access our wholesale product line. Previously managed a group of account managers supporting the sales team and created training programs and initiatives to facilitate their knowledge level and experience.

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