Provided credit and relationship support to a team of six (6) Relationship Managers and a Commercial portfolio in excess of $750MM. Supported Executive Management in emerging from FDIC Consent Order and improved the safety, soundness and profitability of the Bank. Managed a Credit Team of five (5) direct reports.* Revised and/or created credit policy, SOPs, underwriting tools, and departmental processes.* Reduced policy and documentation exceptions within Commercial Portfolio by 93%.* Project Manager for full Baker Hill Suite of Products, including PRA, SA, B2B, and B2C.* Designed and implemented Credit & Enterprise Risk Training program

Underwrote credit requests, performed all financial due diligence, coordinated the closing process and monitored a portfolio of clients with credit exposure in excess of $200MM and annual drug spend in excess of $700MM. Engaged Regional Sales Executives to increase breadth and depth of relationship with customers.* Underwrote credit requests up to $1MM.* Developed new risk based scoring model for all credit requests less than $250M in exposure.* Developed Portfolio Management procedures and best practices.

Advised clients in matters of risk management, investment analysis, and capitalization. Prepared detailed financial and credit risk analyses of various investment vehicles, inclusive of real estate, note purchases, and debt restructuring. * Advised and worked with individual clients, financial institutions, and government agencies.* Researched, identified, and underwrote investment opportunities based on market, competitor analysis, and investment criteria.* Provided council in matters of risk mitigation, credit analysis, debt/credit restructures and capitalization.

Empowered three relationship managers by analyzing current credit data, market analysis, financial statements, credit risk, and advised on extended credit/lending. Underwrote credit requests to support $280MM in annual production and $950MM committed loan portfolio. Created insightful market presentations for CRE and HBF executives.

Underwrote credit requests for middle-market clients in the Tennessee, Arkansas, and Alabama. Assessed clients’ portfolio, risk profile, and financial risk. Facilitated the entire reporting and documentation process. * Underwrote loans up to $15MM in total exposure with $1MM in individual loan approval authority.* Managed a portfolio in excess of $500MM, inclusive of $150MM in CRE exposure* Proved vital to the bank’s success, collaborating with Relationship Managers and Sales Executives to improve customer retention, strengthen banking relationships, improve portfolio profitability, and fortify credit structuring. * Key in mentoring a team of six credit analysts, developing them into top experts, and positioning them for career progression.

Conducted comprehensive credit analysis and structuring for the Tennessee commercial and middle markets, including C&I, CRE, HBF, Loan Syndication, and Private Banking. Implemented strong negotiating skills and expertise in all facets of credit, sales, marketing, and portfolio management; paired with Relationship Managers in customer / prospect calls to help “close the deal.”* Formally recognized as an astute financial and credit analyst, analyzing up to $410MM in total direct credit and managing a portfolio in excess of $700MM* Key contributor to the Bank’s Credit Risk and RAROC modeling process