• Supporting the growth of the portfolio while maintaining a risk profile within the company’s guidelines through interactions with front office staff, daily monitoring, and negotiating credit terms• Analyzing volumetric, directional, market, and concentration risks associated with a portfolio of futures and options transactions• Strategic analysis of new energy marketing initiatives including annual collateral budgets, liquidity/collateral stress testing, return on capital projections,… Show more • Supporting the growth of the portfolio while maintaining a risk profile within the company’s guidelines through interactions with front office staff, daily monitoring, and negotiating credit terms• Analyzing volumetric, directional, market, and concentration risks associated with a portfolio of futures and options transactions• Strategic analysis of new energy marketing initiatives including annual collateral budgets, liquidity/collateral stress testing, return on capital projections, and SPAN analysis• Prepare and present credit training to Energy Market front and back office partners• Represent the Credit team in weekly commodity risk committee meetings with the senior management team • Initiated, planned, and executed a credit database solution to replace the existing credit reporting system• Create and support all credit excel tools, S&P CreditAnalytics tools, and SQL databases• Liaising with Futures Clearing Merchants to validate daily margin calls and manage funding requirements• Managing credit insurance portfolios to ensure sufficient coverage in the event of a loss • Providing credit analysis and negotiating credit terms for M&A and SCM contracts• Monitoring and maintaining all financial assurances, including cash security, letters of credit, surety bonds and parental guarantees to ensure compliance and mitigate draws on liquidity Show less

• Received 2013 Scotiabank Best of the Best award• Completed full financial analysis of each borrower within my portfolio for the purpose of presenting and recommending new credit, credit increases, and annual reviews• Performed historical analysis, ratio analysis, forecasting, compliance calculations, and qualitative analysis• Organized analysis into a comprehensive written communication to be presented to the Senior Credit Committee• Monitored daily credit compliance through… Show more • Received 2013 Scotiabank Best of the Best award• Completed full financial analysis of each borrower within my portfolio for the purpose of presenting and recommending new credit, credit increases, and annual reviews• Performed historical analysis, ratio analysis, forecasting, compliance calculations, and qualitative analysis• Organized analysis into a comprehensive written communication to be presented to the Senior Credit Committee• Monitored daily credit compliance through internal reporting and direct contact with the borrowers• Completed monthly covenant calculations to ensure the portfolio maintains an acceptable level of risk• Acted as a principal point of contact for clients in order to provide insightful commercial credit advice• Maintained in depth knowledge of the borrower’s business and industry • Collaborated with a team of four analysts• Demonstrated accuracy, thoroughness, and timeliness in order to perform detail-orientated tasks• Multitasked to meet revolving deadlines Show less

• Monitored a portfolio of commercial clients with credit facilities from $1MM to $50MM+ to help mitigate the risk profile of the bank• Succeeded in acquiring a portfolio of the bank's largest commercial and agricultural clients• Analyzed financial statements using Moody's Financial Analyst • Performed trend analysis using internal Excel models• Oversaw the loan fulfillment process to confirm all term and conditions are satisfied• Completed monthly borrowing base… Show more • Monitored a portfolio of commercial clients with credit facilities from $1MM to $50MM+ to help mitigate the risk profile of the bank• Succeeded in acquiring a portfolio of the bank's largest commercial and agricultural clients• Analyzed financial statements using Moody's Financial Analyst • Performed trend analysis using internal Excel models• Oversaw the loan fulfillment process to confirm all term and conditions are satisfied• Completed monthly borrowing base calculations to ensure collateral conditions were met• Maintained regular client contact to become familiar with operations and material changes that may affect credit compliance• Prepared written communications for annual review applications Show less

• Provided financial solutions for small business clients with revenue up to $5,000,000• Processed and adjudicated credit facilities up to $750,000• Exceeded revenue goals for 2009 and 2010• Performed financial statement analysis focusing on debt service calculations, cash flow, and debt-to-net worth ratios • Monitored and evaluated client credit performance• Managed flexible work assignments while representing multiple branches• Guided clients through long-term… Show more • Provided financial solutions for small business clients with revenue up to $5,000,000• Processed and adjudicated credit facilities up to $750,000• Exceeded revenue goals for 2009 and 2010• Performed financial statement analysis focusing on debt service calculations, cash flow, and debt-to-net worth ratios • Monitored and evaluated client credit performance• Managed flexible work assignments while representing multiple branches• Guided clients through long-term financial planning strategies• Analyzed existing client data to develop an effective marketing strategy• Processed daily banking transactions Show less