Evaluated the creditworthiness of equipment finance customers and approving the credit structure and collateral. Transactions ranged in size from small ticket with limited analysis to multi-million dollar transactions. Transactions exceeding my lending authority were evaluated and written recommendations presented to managers with higher lending authority. As one of the more seasoned analysts, provided substantial training & guidance to new underwriters.

Duties include developing and managing business banking relationships. This included evaluating the continued creditworthiness of businesses with regard to their commercial lending relationships

Duties included daily training/question resolution for a staff of up to nineteen individuals. Taught trainees/analysts how to properly spread and analyze business financial statements as well as personal financial statements and tax returns. Managed the workload to ensure timely completion of work and reviewed all analyses for accuracy and completeness. Managed all personnel related matters including hiring, performance review and salary actions.

Reviewed loans for the large ticket and middle market areas of the bank including: evaluating financial statements, cash flow adequacy, repayment ability, loan structure, and collateral. I was a significant resource to other credit review officers in their initial training in Credit Review, and as an ongoing sounding board for their concerns regarding their credits.

Examined all areas of community and regional banks for safety, soundness, and compliance with Laws and Regulations. Duties included determining the scope of examination, making assignments, supervising other examiners, reviewing, and discussing existing loans with the bankers and assigning appropriate ratings to the credits and the banks overall