•Improve clients’ business processes by identifying areas of business risk and opportunities to increase profitability and efficiency.•Evaluate, synthesize, organize, and interpret data and information to provide clients with top quality service.•Develop key deliverables including process flows, work programs, reports, and controls summaries.•Facilitate the successful completion of project work plan and assist in developing technical and professional competencies.•Analyze credit oversight strategies, loan and investment portfolios to evaluate credit quality adherence to lending standards.

•Assist with coordination of Borrowers’ post-closing transactions and ensure appropriate review and approval is completed.•Perform quarterly and annual reviews of assets based on operations, financial and market performance and ensure covenants are met based on agreements.•Assessing performance of commercial assets relative to original underwriting and business plans through risk ratings and analysis.•Monitor borrowers’ compliance and mitigate risks by communicating Agencies servicing and asset requirements to borrowers.

•Review and evaluate accuracy of scorecard model by validating quantitative and qualitative inputs for commercial banking industries.•Identify root cause of data quality issues and present recommendations for improvement to maintain acceptable approval rate.•Discuss review findings and provide remediation steps to Credit Analysts, Underwriters, Portfolio Managers.•Support risk management, internal audits, and regulatory exams by executing various risk controls.•Partner with different lines of businesses (Healthcare, Middle Market, Commercial Real Estate) to validate judgmental data.

•Assessing relationships for risk ratings by completing write-up analysis on the financial performance for annual reviews.•Monitoring facilities for covenant compliance, adequate collateral valuation, and reporting of significant credit deterioration.•Review risk factors such as contingent liabilities recurring cash flows and debt service coverage.•Analyze corporate financial statements by spreading in Moody’s Risk Analyst(CPA, tax returns, AR/AP Aging & Inventory)

•Perform annual reviews of borrowers through material items and remedy loan discrepancies through non-compliance procedure.•Manage loan portfolio of 400+ small business loans for total credit exposure of more than $100 million through accurate risk monitoring.•Perform credit risk assessments by identifying covenant defaults, borrowing base violations and securities defaults through accurate calculation as defined per business loan agreement.•Develop credit history by spreading financial information and performing cash flow analysis through accounting skills.•Business information gathering and analyzing for functional requirements through test cases and planning.

•Meet with clients to assess their financial needs by providing tools & information needed to assist in attaining their financial goals.•Manage client portfolios and cross-selling financial products to acquire business 100% while meeting/exceeding monthly quotas.•Educate and inform customers on suitability of lending products, deposit accounts such as checking, savings CDs, IRAs, Lines of Credits, Mortgages, and other investment products.•Analyze client’s financial conditions to recommend appropriate products and services to businesses and individual clients.