Nancy Riyad Email & Phone Number

United States

New York, United States

• Perform detailed analysis of financial statements to assess creditworthiness and financial health. Identify trends, variances, and potential risks in financial data.
• Conduct comprehensive annual reviews of client portfolios. Ensure reviews are thorough, accurate, and completed within designated timeframes.
• Maintain accurate and up-to-date records in the bank’s systems and ensure data integrity and compliance with internal policies and regulatory requirements.
• Assist with all special projects including Loan Review/Regulator Audit preparation, ongoing due diligence, industry research and portfolio scrubs as needed
• Ensure compliance with all banking laws, rules, regulations, and prescribed policies/practices/procedures necessary to reduce risk and uphold ethical standards related to and required by one’s duties

Toms River, New Jersey, United States

• Provide Bank credit analysis within financial services companies to support the Credit Risk Analytics Manager (CRAM) and third-party CECL model developer as needed regarding model re-development activities and.
• Perform efficient and concise detailed analysis and quality underwriting of SBA and commercial loan proposals including most complex loans, primarily to existing customers utilizing Salesforce Software (nCino Platform).
• Proactively, independently analyze and structure proposals and complete the underwriting and the evaluation process. Identify loan structure alternatives and make recommendations on credit decisions.
• Examine collateral to establish market value and assess repayment capacity using secondary revenue sources before loan approval.
• Implement risk rating assessment techniques to identify indicators of borrowers and facilities.
• Provide approval authority as specified by Loan Policy and Provide guidance and mentor junior analysts.

Oakhurst, New Jersey, United States

• Prepare in-depth written analysis for loan reviews including summary of financial statements, cash flow trends, management profiles, business and product cycles, operating performance, Risk Rating, appropriate economic.
• Handled complex CRE credit requests primarily in the New York Metro market area with Tax Abatement programs, fixed income, rent control, and Pilot programs for New Jersey.
• Perform in-depth projective financial analysis utilizing automated and manual analytical tools and techniques, including “what-if” scenarios, which test the reasonableness of the projections provided to the Bank or.
• Provide analytical support to assist Risk Management with construction stress test scenarios and refinement of model inputs / assumptions. Discuss and review covenants and overall assessment with reviewers and.
• Monitor loan portfolio by examining Line usage and repayment activities and necessary actions to present and/or reduce past due accounts.
• Perform analysis of secondary sources of repayment such as collateral, assess the quality and source of collateral marketability in a liquidation scenario.

Trenton, New Jersey, United States

• Received CRE and C&I loan requests, proposals and offered to lend Corporates, small businesses, and retailers as well as identified, assessed cash flow considerations, by preparing spreads utilizing Moody’s Cloud.
• Partnered with Lending/Credit Officers to address exceptions identified by internal/external auditors and/or examiners. Performed annual loan reviews, ensured all credit files include current financial statements.
• Evaluated clients’ credit data by performing analysis within financial services companies and cash flow analysis to designate degree of risk rating and recommendation involved in extending credit of businesses for all.
• Conduct a thorough annual review of current portfolio clients including review of financials, site visits and assessments of general business information and other factors that would be indicators of risk.
• Assist Credit Risk Management with scoping and development of stress tests on SBA, CRE and C&I portfolios.

Toms River, New Jersey, United States

• Created analysis of financial statements of clients for CRE and C&I prospects.
• Monitored the credit risk of clients and produced a recommendation to determine the appropriate credit rating utilizing Baker Hill Software systems.
• Oversee portfolio management responsibilities around maturities, renewals, delinquencies.
• Assist Credit Risk Management with development of Construction Stress Test Program including third-party developer due diligence and selection and data scoping.
• Monitor loan portfolio by examining loan repayment activities and financial condition of borrowing clients and take necessary action to prevent and/or reduce past due accounts.

Howell, New Jersey, United States

• Supported the Lenders in all phases of the lending process, including Spreads, cash flow analysis, construction validating documentation, ensuring compliance and conditions are met.
• Informed Processors of any additional items necessary to substantiate loan request.
• Prepared loan summary including credit analysis, followed by submitting offerings to Loan Committee.
• Assist in payment collection efforts, including maintaining updates to collection system records.

Lakewood, New Jersey, United States

• Acted in a dual role as a Licensed Financial Service Representative and analyst.
• Performed as the top Sales lead in the Bank and the main contact for large/complex credit needs within the region, by planning and promoting Insurance Solutions, fixed Annuities, and Banking products.
• Contributed to the ongoing improvement of the Customer Experience by leading, coaching, and modeling quality service at every Customer interaction.
• 2012 achievement WOW award winner.