Manage a team of Commercial Credit Analysts supporting bankers and portfolio managers. This team functions to provide analysis with financial spreading, analyzing tax returns, covenant testing and underwriting of various transactions.Manage a number of portfolio managers for NBAZ's Community Banking division assisting with loan underwriting.Lead NBAZ’s banker development program- a program to hire, train and develop recent college graduates for a career in commercial banking within the organization.Completed Zions Citizen Developer Program in 2024 with Power Automate and Power Apps

Portfolio Management and underwriting of DG Renewable Energy and Commercial Real Estate projects.

Underwriting middle market deals - C&I and CRE, including investor.

Responsibilities include:-Experienced in full underwriting of C&I and CRE Credit Presentations for both new and existing business relationship ie: hotel, office, multi-family, industrial, working capital, term loans, mini-perms, lines etc.-Portfolio Compliance monitoring-Risk Grading/Modeling-Pro Forma Analysis

Borrower/Guarantor Financial AnalysisPortfolio Risk GradingMarket AnalysisNOI/Budget AnalysisCovenant Compliance testing and other portfolio maintenanceWriting Credit Presentations

Completed a Corporate Credit Training Program studying:Financial Statement Analysis including underwriting financing needs, borrowing base, covenant testing, A/R and AP aging reporting, sensitivity analysis, and risk grade modeling.Personal Tax AnalysisBusiness Tax AnalysisConsumer and Business Credit ReportsSpreading Financial StatementsCredit Presentations in both Commercial and Industrial, and Commercial Real EstateCash and Accrual GAAP AccountingApplication experience includes:Moodys Risk AnalyticsBukers Tax Analysis