Provided analytical and underwriting support for commercial banking including independent analysis of creditworthiness of customers and prospects.· Worked closely with the lending function to assess the risk of commercial transactions and provide thorough documentation of the transactions.· Provided coaching and mentoring guidance to Credit Analysts I and II.· Was responsible for preparing basis and comprehensive credit analyses on commercial loans that facilitated the credit approval process for use by loan officers or committees in the making of lending decisions regarding new, renewal, and extension loans.· Analyzed the most complex commercial credits which exceeded $1.5 million in credit exposure. Analyzing factors such as income growth, margins, trends, quality of management, market shares, industry risks and collateral assessment.· Participated in deal discussion meetings with lending personnel, market managers and appropriate credit officers to preliminarily assess merits of a request.· Worked with lending personnel, market managers and appropriate credit officers to underwrite and structure commercial loan transactions in accordance with credit culture of the Bank.· Was responsible for managing my personal underwriting pipeline of new and renewal requests from commercial clients.· Consulted and provided guidance to market personnel as to navigation of the commercial underwriting process as well as interpretation of loan policy.· Submitted credit approval documents to appropriate personnel for decision making. Ensured all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training.· Read, analyzed, and interpreted general business periodicals, professional journals, technical procedures or governmental regulations.

• Analyzed commercial loans of increased complexity for loan officers in the OKC market.• Attended meetings with client and loan officers.• Scrutinized financial data such as income growth, management quality, and market share.• Compiled reports regarding finance and credit data.• Compared liquidity, profitability, and credit history of business being evaluated with similar companies to determine risk.

• Prepared credit memorandums for commercial and industrial (C&I) loans, lines of credit, and commercial real estate (CRE) loans with the largest credit being $12,000,000• Completed 33% of credit memorandums on a five-person credit analyst team.• Assisted credit analyst manager in providing guidance to less experienced credit analysts.• Monitored loan compliance by tracking technical exceptions and calculation of financial covenants.• Conducted monthly inspections of residential and commercial construction projects to monitor borrower’s use of bank loaned funds and report findings to loan committee members.