Samille Rogers, Mba Email & Phone Number

Stamford, Ct, Us

Underwrite commercial loans and assess credit worthiness.

Stamford, Ct, Us

• Underwrote and prepared CRE and C&I loan approvals and renewals for credits up to the banks legal lending limit• Prepared spreads, checked credit, reviewed and analyzed financial statements• Made initial judgements on feasibility of transactions and solicited additional information if needed from clients and loan officers• Prepared detailed financial analysis’ via loan presentations to evaluate trends, projections, ratios, cash flow, debt servicing adequacy, and global cash flows • Conducted site and construction site visitations to borrower’s premises upon request of loan officer• Followed through on open issues that surfaced by loan reviews

New Canaan, Connecticut, Us

Underwrote and prepared CRE and C&I loan approvals and renewals for credits up to the banks legal lending limitPerformed Annual and Quarterly Reviews ensuring completion in a timely fashion while monitoring covenants, compliance, and cash flowMaintained Construction Report for entire bank portfolio and presented to Directors at Board MeetingsAssisted in advances for Construction, C&I, and CRE loans verifying borrowing base certificates, etc.Prepared Yearly stress/sensitivity test for entire bank commercial portfolioRecorded minutes bi-weekly at the Director’s Loan Committee meetingsPrepared various ad hoc reports as requested by Sr. Mgmt. to be presented to Board Members Assisted in various loan sales Coordinated with loan officers on site visits

Charlotte, Nc, Us

• Monitored client's operating performance and financial condition to proactively identify issues and opportunities to the credit team• Assisted credit team with the evaluation and renewal or modification of credit facilities to exceed client expectations• Prepared Financial Analysis Summary (FAS) reports• Assisted with the evaluation of new credit requests, and renewals and expansion of existing credit facilities while conducting client and industry research.• Evaluated clients covenant compliance and performance noting issues that may require modification to approval and legal documentation.• Ensured data integrity through the technically accurate input of information to all systems

Buffalo, Ny, Us

• Assessed and made decisions on renewals, modifications, and term outs ensuring quality and soundness for credit transactions while ensuring compliance with Credit Policy and accuracy of documents and supporting exhibits.• Monitored and proactively managed risk/exposure and compliance with Credit Policy for the Small Business Centralized Credit Underwriting Group.• Evaluated prices, structures, risk rates and documents of renewals, and maturities to ensure appropriate asset quality, risk, and compliance to minimize Bank Risk/Exposure and ensure maximum profitability• Initiated credit modifications, risk upgrading/downgrading, modifying terms and frequency of covenants, financial reporting, collateral security, and transfers to work out where appropriate. • Completed timely annual reviews identifying and explaining all relevant financial issues• Analyzed personal financial information including personal tax returns and 3rd party credit reports to assess guarantor support• Provided in-depth analysis of historical financial statements, cash flow and debt service requirements and business plans/projections• Responsible for formal credit review processes, accuracy, and completeness of formal loan documentation, comments and updates.

Charlotte, Nc, Us

Managed portfolio of over 2000 loans in proposing them for foreclosureProposed various types of loans ranging from governmental to conventional to foreclosure while following strict guidelines set by investors.Prepared month end forecasting statements of loans to be charged off.Charged off loans whose principal balance was below the threshold to forecloseObtained credit reports, inspections, surveys, and title work to make executive decisions on starting the foreclosure process

Mba, Accounting Concentration

B.S., Business Administration With Concentration In Financial Analysis