• Analyzed proposed loans for credit worthiness, risk and prudent structuring through detailed analysis of all required financial information; integrating relevant external factors such as management, market, industry and economic climate into the decision-making process.• Oversaw a dedicated credit analysis team that included credit analysts, business development officers, and loan specialists. • Interviewed loan applicants and obtained information regarding earnings and financial condition to evaluate the applicant’s creditworthiness. • Monitored performance of a ~$40MM portfolio with 20+ relationships. Maintained and participated in ongoing program of credit administration including customer visitations, covenant reviews, and file maintenance. • Prepared and reviewed pre and post-closing commercial loan documentation to ensure timely and accurate receipt of credit and all other required documentation.• Actively participated in a business development agenda to promote the bank’s commercial lending capabilities and meet established targets for loan production.• Represented bank within the community by participating in various business, civic, and service organizations.

- Maintained all duties of Credit Analyst while independently managing a modest portfolio of commercial clients.- Assumed responsibility for all aspects of credit management, including measuring risk through financial analysis, meetings to access financial condition, as well as retention and sales.

- Performed credit investigations, credit and loan analysis, financial spreads, underwriting and other documentation information pertaining to loan analysis.- Conducted credit analyses that included gathering, analyzing and interpreting various types of credit information on existing and prospective customers and portfolios, making recommendations for approvals of credits.- Structured and underwrote detailed credit memos and presented such to the bank’s loan committee and director committee for use in making credit decisions on new, renewal and extension loans.- Met with and interviewed customers to develop a strong understanding of the loan request and business relationship, ensuring the accuracy and completeness of the financial information received.