Mentoring woman in the credit industry navigate the complexities of Credit Risk Management, develop their leadership skills, and achieve their professional goals.

Recognized on Forbes' Top 100 Largest Private Companies in the US. Specializes in energy procurement, supply, logistics, & strategic solutions across the US & Canada for 6 decades.Responsibilities• Leadership & Team Building: Leading a high-performing team by recruiting, training, & coaching members• Objective Alignment: Defining Credit team goals to align with the enterprise using OKR metrics• Policy Development: Creating credit policies to mitigate risk & maximize profits• Risk Oversight: Managing & reporting credit risk updates to the Risk Oversight Committee• Training: Spearheading enterprise-wide risk training & the dissemination of best practices• Project Management: Effectively managing & steering business initiatives of acquisitions• Continuous Education: Staying current on technology, economic trends, industry developments, and other education• Negotiations: Engaging in negotiations with executives to resolve underwriting & risk-related challengesKey Achievements• Metric Successes: Department achieved a 98th percentile ranking and turnaround metrics surged by an impressive 95%• Employee Retention & Intern Program: Zero employee turnover & established & maintain a first-class credit analyst intern program used for enterprise-wide recruitment• Acquisition Integration: Successfully integrate multiple acquisitions, annually, into various credit management systems, enhancing data integrity quickly & seamlessly• Customer Portfolio Review: Lead a comprehensive annual review of the entire customer portfolio, & consistently support less than .00001% loss of risk exposure across the enterprise• Digital Transformation: Digitize all customer files & related documentation to supply data integrity & accurate reporting to identify & minimize risk & spending• Process Documentation: One of the only teams across the enterprise to document & produce a comprehensive process manual for process improvement & training needs

Same as Senior Credit Manager; however, SR role has additional leadership and management responsibilities.

Nuvo's inaugural Women Leaders in Credit & Finance event at NACM’s Credit Congress bringing credit professionals together.

Finance and Accounting Career Chat for the business students. Developed great relationships and have provided mentoring on request.

Community bank specializing in lending, deposit & investments, mortgages & other related products.Responsibilities• Policy Implementation: Developed & implemented policies & procedures to ensure compliance with state/federal regulations & internal standards.• Data Oversight: Provided essential data to executive management for growth & risk assessment.• Team Building: Recruited, trained, & retained documentation & compliance professionals• Project Leadership: Led long-term projects & customer initiatives, such as migrating to new platforms• Cost Reduction/Efficiency Improvement: Improved data integrity to reduce costs & enhance operational efficiency• Operational Policy: Developed & implemented policies & processes, conducting employee training for policy adherence• Performance Reporting: Identified & reported departmental goals & performance metrics to executives, aligning our objectives with the company• Project Management: Facilitated compliance with State & Federal examiners, ensuring loan review compliance, adherence to standards, & follow-up requirements• Technology Guidance: Guided the adoption of technology solutions for effective risk management, efficiencies, & cost savings• Regulatory Compliance: Ensured adherence to state & federal requirements, especially Dodd-Frank regulations• Relationship Management: Managed SBA servicing & Colson to strengthen regulatory adherenceKey Achievements• Problem-Solving: Resolved inherited data issues for 'Other Assets Owned,' ensuring state & federal compliance• Employee Retention: Maintained 0% turnover, indicating a stable & motivated workforce• Efficient Transition: Successfully managed software upgrade transition, improving collateral management while adhering to regulations• Audit Excellence: 100% compliance in State & Federal audits, demonstrating our strong commitment to regulatory standards• Operational Efficiency: Created process manual to enhance operational procedures & efficiency

Responsibilities• Objective Alignment: Autonomous management of the credit portfolio to ensure team goals are aligning with the company• Policy Development: Creating & implementing credit policies to mitigate risk & maximize profits• Training: Spearheading enterprise-wide risk training & the dissemination of best practices• Project Management: Effectively managing & steering business initiatives & acquisitions• Continuous Education: Staying updated on technology, economic trends, & industry developments for ongoing education & certification• Negotiations: Engaging in direct negotiations with customer executives to resolve underwriting & risk-related challengesKey Achievements• Customer Portfolio Review: Lead a comprehensive annual review of the entire customer portfolio & consistently minimize losses and increase profitability across the organization and early identification and management of troubled assets• Process Documentation: Only team to document & produce a comprehensive process manual for process improvement & training needs

Multinational financial services company with a significant global presence operating in thirty-five countries and serves over seventy million customers worldwide. It regarded in the industry to be one of the “big four banks” in the United States. Consistently ranked in the top fifty on the Fortune 500 list of the largest companies in the US.Responsibilities and Key Achievements• Analyzed business banker customer loans and lines for various industries, managing complex credit requests ranging from $2MM to $20MM with zero losses• Oversaw the financial analysis and risk ratings for new credit opportunities and annual reviews for credits exceeding $1MM• Led a team in implementing a quarterly borrower quality rating and collateral certification process, along with quarterly updates on watch list credits• Managed credit rating downgrades and asset review memos for credits earmarked for exit strategy• Designed and implemented processes to enhance operational efficiency for both leadership and the team• Developed and implemented research and analysis processes to improve clarity in special projects, including industry studies and management reports.

Responsibilities and Key Achievements• Spearheaded the fulfillment of various operational needs, including property management, corporate real estate, equipment contracts, technology, and staff recruitment.• Pioneered cost-saving initiatives that contributed to identifying over $60,000 in annual savings by streamlining expenses and exploring alternative technology solutions, thereby bolstering overall profitability.• Innovated and executed solutions for special projects on behalf of the leadership team, effectively addressing complex challenges and meeting strategic objectives.• Formulated and introduced sophisticated analytics for special asset teams, enhancing their daily operations by facilitating tasks such as renewals, extensions, modifications, and other analytical requirements within specialized software.• Devised and implemented streamlined procedures for the efficient management of environmental and real estate appraisals, ensuring regulatory compliance and operational effectiveness.• Established a departmental reporting system that scrutinized and accessed nonsufficient funds and overdrawn troubled asset accounts, enhancing financial transparency and risk management.• Orchestrated the development of Customer Service Representatives (CSRs) by providing comprehensive training on customer service best practices and process protocols, contributing to superior service delivery and customer satisfaction.• Engineered robust protocols for the review of travel and expense records, guaranteeing compliance with corporate policies and swiftly identifying instances of misuse, which were promptly reported to executive management.• Stepped into the role of manager for a six-month period, during which time I implemented efficiency-improving measures and optimized workflow processes. This resulted in a reduction in overtime and eliminated the necessity to hire additional personnel.

Community bank specializing in lending, deposit & investments, mortgages & other related products.Responsibilities and Key Achievements• Managed a $20 million portfolio, mainly in residential and speculative construction, during the housing crisis, maintaining zero losses.• Developed and implemented an analysis template for various industries with complex relationships, presenting it to the lending committee for funding requests exceeding $10 million.• Oversaw the creation of financial analysis and risk rating justifications for new credit opportunities and conducted annual reviews of credits in the portfolio.• Led a team in implementing quarterly borrower quality ratings and collateral certification, along with quarterly updates on the credit watchlist.• Directed credit rating downgrades and asset review memos for credits marked for exit strategy.• Designed and implemented processes to enhance efficiency for leadership and the team.• Established research and analysis procedures to provide clarity for special projects, including industry studies and management reports.• Spearheaded the upgrade, design, and implementation of the corporate website.

Community bank specializing in lending, deposit & investments, mortgages & other related products.Responsibilities and Key Achievements• Conducted Comprehensive Analyses: Conducted detailed analyses of complex industry dynamics and relationships. Presented findings to the lending committee for loan requests exceeding $10 million. Achieved zero losses on the loans under review.• Financial Analysis and Risk Rating: Led the development of financial analyses and justifications for new credit opportunities. Conducted annual reviews of credits within the bank's portfolio.• Team Leadership: Spearheaded a team initiative to establish quarterly assessments of borrower quality ratings and collateral certifications. Oversaw quarterly updates to the credit performance watch list.• Credit Rating Downgrades and Exit Strategies: Took responsibility for guiding credit rating downgrades. Crafted portfolio asset review memoranda for credits earmarked for exit strategies.• Innovative Process Design: Innovatively designed and implemented research and analysis processes to enhance clarity for specialized projects. Managed comprehensive industry studies and management reports.• Community Involvement: Actively represented the bank in various community service functions, including March of Dimes, United Way, White County School System, and the White County Chamber of Commerce. Served on multiple fund-raising boards, elevating community awareness of the bank and its services. Considered a community leader for contributions to community service and fundraising efforts.

Offers a wide range of financial services in sixteen states across the Southern and Midwestern United States. Maintains a consistent presence on the Fortune 500 list and ranks among the largest banks in the country.Responsibilities and Key Achievements• Conducted in-depth industry analyses with intricate interconnections, presenting findings to the lending committee for funding requests exceeding $10 million. With zero losses.• Oversaw the development of comprehensive financial analyses and provided justifications for risk ratings in support of new credit opportunities, as well as conducting annual reviews of credits within the portfolio.• Guided a team in the establishment of a quarterly borrower quality rating system and the certification of collateral, in addition to regular updates of watch list credits.• Directed the process of credit rating downgrades and the preparation of asset review memoranda for credits targeted for exit strategies.• Innovated and implemented research and analysis procedures to enhance the clarity of special projects, including industry studies and management reports.