Nancy Naylor Email & Phone Number

Orlando, Fl, Us

Jacksonville, Fl, Us

Jacksonville, Florida, United States

Underwrite commercial lending opportunities in an assigned territory, focusing on working capital lines of credit, equipment finance, and owner-occupied real estate. Maintain relationships with internal partners, providing support on portfolio management, risk ratings, and credit structure. Evaluate the credit worthiness of loan applications, making credit recommendations that help the Bank make decisions which minimize risk to the bank while working to find solutions for applicants. Responsible for constructing a credit memorandum which documents the analysis of credit data, identifies key risks and mitigating factors, and makes credit recommendations which are aligned with the organization's risk appetite.

Jacksonville, Florida, United States

Underwrite, structure and document new commercial real estate loan requests for nationwide target markets. Products include commercial retail, office, industrial, self-storage, and multi-family properties, including the analysis and underwriting of multi-family real estate construction loans and investments that quality for Low Income Housing Tax Credits (LIHTC) involving tax credit equity syndications. Present loan submissions for preliminary approval based on recommended structure, adhering to bank policy and program requirements. Analyze financial and operating statements, perform market analysis, collateral evaluation, and guarantor assessment based on review of liquidity, contingent liability, and personal credit trends. Prepare final loan approval packages and provide risk rating recommendations. Coordinate the loan closing process, including the review and approval of loan closing due diligence and documentation.

Prepare credit approval packages and strategy recommendation memos for new and existing commercial loan requests, annual reviews, renewals, modification requests, and loan workouts and restructures. Act as secondary contact on client relationships. Join in workout negotiations. Coordinate the loan closing process. Monitor financial reporting and assess covenant compliance. Analyze financial statements, monitor balance sheet and income statement trends, and review guarantor condition. Monitor payment performance, past dues, loan collateral status, and pending maturities. Review risk ratings and make downgrade/upgrade recommendations. Assist in preparation of non-accrual and charge-off forecasts. Assist in the drafting, review, and monitoring of legal correspondence.

Associate relationship manager/portfolio management position involving the structuring of builder finance loan requests including Acquisition and Development loans, construction lines of credit, and mezzanine financing. Prepared credit and underwriting packages based on customer needs and established loan policy guidelines for submission to risk management for loan approval. Accompanied the Director of Loan Production/Relationship Manager on customer calls. Assisted in the loan closing process, dealing with customers, loan closers, and attorneys. Also responsible for loan renewals and modifications, ongoing monitoring and compliance requirements including obtaining updated customer financial statements, and payment collection.

Performed comprehensive credit analysis of the most sizeable and complex middle market and metro lending commercial loan relationships involving mainly C&I and residential builder lending. Formulated projections and assessed credit risk ratings. Analysis based on spreading financial statements, industry analysis, and detailed discussions with lenders, customers, and accountants, as well as occasional customer calls.

Spread and analyzed company financial statements and tax returns for commercial loan relationships of various complexities and sizes, including the analysis of commercial real estate loans for owner occupied and investment properties and of residential real estate projects. Performed company cash flow analyses and projections based on historical and proforma data, and personal cash flow analyses based on personal financial statements, tax returns, and credit bureau reports. Prepared credit approval summary packages for senior lender approval. Reviewed loans to determine conformity to established commercial lending policies.

Provided support to the direct and indirect consumer loan department including the cashing of automobile dealer contracts, dealer deposits, and input and review of dealer reserve data. Reconciled general ledger accounts. Performed bank-wide credit bureau report inquiries. Prepared bank-wide consumer credit delinquency and collection reports.