Neli Shivers Email & Phone Number

Specialized in Golf & Turf Equipment financing; processed medium to complex credit requests exceeding $1MM in aggregate exposure, analyzing credit strength and risk by review of financial statements, corporate tax returns, company background and industry, guarantor analysis and personal financial information and or tax returns. Structured and documented transactions, ensuring program and policy compliance.

Specialized in Golf & Turf Equipment financing; processed medium to complex credit requests exceeding $1MM in aggregate exposure, analyzing credit strength and risk by review of financial statements, corporate tax returns, company background and industry, guarantor analysis and personal financial information and or tax returns. Structured and documented transactions, ensuring program and policy compliance.

Provided analytical support to senior management and commercial lenders in underwriting of new and existing credit to include financial statement spreads, financial statement analysis, cash flow analysis and industry research. Monitored risk within commercial portfolio by providing a comprehensive review of the exposure. Prepared annual reviews of credits by analyzing financial statements, budgets, future outlook, guarantor analysis, specific business and industry data, macro-economic and regional trends and projections. Prepared detailed monthly or as needed reports for senior management and loan officers. Provided Asset Based Lending (ABL) support by monitoring and administering a portfolio of ABL accounts, and performing borrowing base and trend analysis to ensure proper collateral to loan position at all times. Monitored borrowers’ Financial Covenant Compliance as per the terms of the loan agreement to ensure there were no violations.

Temporarily performed management and supervisory functions during a three-month period of management vacancy to include revision of the department’s policies and procedures as well as leading the team. Provided loan administration to construction loan portfolio of various business lines (commercial and residential), requiring full comprehension of legal documents. Performed budget analysis and monitoring of project budgets to ensure elimination of cost overruns and minimize Banks risk exposure. Performed analysis and balancing of AIA Certificates for payment. Reviewed inspection reports and appraisals. Provided approval for payment and advancing of funds upon review of a draw requisition. Maintained frequent and independent customer contacts and pro actively coordinated resolution of any issues. Maintained close communication with peers and outside stakeholders to include real estate professionals, inspectors, title companies, insurance companies and attorneys as needed.

Administered personally assigned commercial and residential loan portfolio with individual loans of up to $70MM, in accordance with loan requirements and industry standards and requiring full comprehension of legal documents. Performed budget analysis and monitoring of project budgets to ensure elimination of cost overruns and minimize Banks risk exposure. Performed analysis and balancing of AIA Certificates for payment. Reviewed inspection reports and appraisals. Provided approval for payment and advancing of funds upon review of a draw requisition. Maintained frequent and independent customer contacts and pro actively coordinate resolution of any issues. Maintained close communication with peers and outside stakeholders to include real estate professionals, inspectors, title companies, insurance companies and attorneys as needed

Provided account services including: processing loan and credit applications, interviewing members one-on-one to obtain necessary information. Analyzed the applicants account history and financial information. Within authorized loan policies decided independently or recommended acceptance or denial of an application based on credit and overall evaluation of the applicant. Completed and verified required documentation in accordance with various state laws, and subsequently reviewed and disbursed loans. Opened various types of accounts, certificates of deposits, etc. Provided account maintenance and resolved problems members identified. Provided quality control on all newly opened business accounts in the branch.

Provided linguistic support of Task Force Falcon (TFF) at Camp Bondsteel and Camp Monteith. Worked directly for the TFF Spartan Command Group and the Commander of the Brigade Readiness Team as part of US KFOR (Kosovo Forces) Operations. Interpreted and assisted the US Army during a special assignment in Bulgaria that involved establishing offices at the Bulgarian port. Interpreted and assisted during political meetings with Kosovar Serbs and ethnic Albanians, United Nations Officials, U.S. Ambassadors, Department of State Executives, and Special Advisors to the President of the United States. Provided linguistic support during meetings with various groups such as: doctors, lawyers and construction representatives. Provided official interpretations during live radio talk shows for the local citizens. Worked directly with the US Air-National Guard during a bilateral exercise, Cornerstone 2000-3, in Macedonia (Humanitarian action for renovation of two school buildings and two clinics).

Performed duties of financial accountant to include: accounts payable, accounts receivable, settling payments, staff salary accounting, recorded and controlled the turnover of all three supermarkets, recorded and controlled the cash payments and budget, and prepared detailed reports.

Mba, Business Administration

Bachelor'S, Financial Accounting

Activities and Societies: Member of AIESEC- International Organization for Students of Economics and Management (1995-1998). Organized.