Senior Credit AnalystPrimary areas of responsibilities include underwriting of commercial loan requests, spreading SBA 7(a)/504 requests, and performing Ability to Repay (ATR) analysis for home mortgages,• Review customer financial statements, credit applications, credit bureau reports and bank customers’ history in evaluating new and existing loan requests.• Complete annual reviews for customers with bank relationships greater than $750,000• Quarterly review analysis and data quality for risk to the bank’s credit portfolio • Complete financial spreads using CRM Toolbar and SageWorks• Consult with Credit Administration regarding loan structures and approvals for complex loan requests and reviews as well as a wide range of other inquiries. • Work loan officers and branch managers regarding loan structures and approvals as well as a wide range of other inquiries• Responsible for training new analysts and loan officers on using SageWorks for managing loan requests through the underwriting process.Portfolio Manager• Underwrote requests for loan renewals, refinances, and new requests from existing customers.• Completed financial spreads using CRM Toolbar and Sageworks.• Consulted with Credit Administration regarding loan structures and approvals for complex loan requests / reviews and troubled debt restructures. • Collaborated with Chief Credit Officer, Senior Credit Officers, and Credit Analysts on complex credit decisions / projects. • Developed additional bank opportunities by cross-selling products / services to existing customers and referrals.• Managed disbursements for commercial construction projects.

• Evaluated credit worthiness for commercial loans; $400,000 approval limit.• Underwrote large loan requests for relationship exposures of $1,000,000 to bank’s self-imposed limit of $19,000,000.• Completed annual reviews for customers with bank relationships greater than $1,000,000.• Led projects within Commercial Credit Department involving credit processes and auto-approval / decline software.• Responded to requests from loan officers / branch managers within assigned territory regarding loan structures and approvals. • Worked with Commercial Credit Manager, credit analysts, and other departments on complex credit decisions / projects. • Promoted based on outstanding performance and leadership.

John Deere Parts DivisionMarket Development Manager• Responsible for generating monthly financial reports for aftermarket attachments in the Ag and Turf Division. Developed an automated Excel application to reduce the amount of time it took to complete from one week to two hours • Member of the team that transitioned John Deere attachments to the Parts Division • Managed the process of moving attachments to Parts for four factories and one contract assembly company. • Managed all aspects of moving attachments to Parts for the Sabo factory in Gummersbach, Germany including part identification, inventory ramp-up and ramp-down, accounting system changes, as well as several other aspects • Developed new guidelines, policies, and procedures for handling returns at all North American and European factories. • Developed new marketing opportunities by establishing standards for online catalogs • John Deere's financial focus is on shareholder value added (SVA). I maintained a list of negative SVA turf products and facilitate the development of strategies to improve SVA on each product • Develop and deliver classes and displays for annual trade shows and expos • Develop new marketing strategies to increase sales using credit incentives, discounts, and promotional campaigns • Performed dealer visits/interviews to determine the best practices for managing attachments at dealership. This was used to identify additional process improvements to address.

Dealer Relationship Manager (DRM)• Responsible for reviewing applications for credit worthiness for John Deere agricultural equipment installment contracts and leases. Approval limit of $850,000 individually and $1,000,000 jointly with another DRM’s review• Produce lease quotes on agricultural equipment for John Deere Dealers• Make sales calls and visits to John Deere dealers and customers to promote John Deere's financial productsCredit Analyst• Responsible for reviewing applications for credit worthiness for Farm Plan, Agline, and Powerline revolving products, Farm Plan and Agline crop inputs, John Deere Credit Revolving Plan and John Deere C&CE installment.• Answered phone calls from customers and merchants regarding requests for limit increases, transaction approvals, application status as well as a wide range of other inquiries. • Reviewed customer financial statements, credit applications, credit bureau reports and John Deere Credit customers’ history in evaluating crop input requests. • Worked with Large Limit Analysts, Senior Analysts, other Credit Analysts and representatives from other departments on complex credit decisions and projects. • Responsible for credit issues within the Atlanta region as well as with several large merchants and cooperatives including Southern States Cooperative, Tennessee Farmers Cooperative, Royster-Clark and Cargill. Worked very closely with Area Sales Managers and merchant representatives when issues or questions arose.• Responsible for many projects within the Credit Acceptance Department that involved managing and reviewing credit limits and input finance limits, as well as a pilot program for direct pay.