Results-driven Middle Market / Government and Not For Profit Banking Analyst, contributing to strategic finance transactions for privately held and private equity-backed businesses. Proficient in short-form pro forma modeling for financial analysis, evaluating creditworthiness through methods like Discounted Cash Flow. Utilized internal loan profitability models, supported industry specialists, and demonstrated leadership in mentoring new analysts. Managed over $1.2Bn in closed transactions across diverse sectors, including C&I, Municipalities, Not For Profit, and Education.

Accomplished Commercial Banking Credit Analyst, integral in underwriting for renewals and new opportunities. Collaboratively crafted credit memos, completed loan underwrites, and provided analytical support to Portfolio Managers using financial models and underwriting templates. Led annual risk reviews, enhancing the credit evaluation process with Moody’s CreditLens. Authored and participated in credit presentations, contributing to comprehensive risk assessments. Accelerated to associate/PM 1 responsibilities within 6 months, demonstrating a 65% faster progression. Completed key trainings, including Pimley & Pimley, Truist Credit Training, and Risk Management Training.

Dedicated Commercial Client Specialist, excelling in managing the loan closing process, ensuring timely and accurate information delivery, and meeting client expectations. Orchestrated a 27% growth in sales and loan portfolio by identifying opportunities through client financial analysis and effective communication. Provided vital support to the sales team through weekly portfolio reviews, minimizing risks, and enhancing overall portfolio performance.

Accurate review of Commercial, Real Estate and Consumer loan packages for Compliance with bank, state and federal compliance. Distribution of loan funds through wires, cashier checks, and account deposits through internal banking platform.Knowledge about prepayments, payoffs, adjustable rate loans, credit reporting, and lien perfection.Maintain an excel file with funded and reviewed loans, as well as required documents for each loan.Sustain an appropriate turn around time for incoming loans packages with little to no supervision. Consult with lenders, lending assistants and customers on loan issues and progress.

Provide exceptional customer service through cashing checks, doing deposits and withdrawals as well as debit card maintenance. Complete appropriate forms such as CTR’s and SAR’s for large cash withdrawals and deposits as well as suspicious activity. Refer new products and services to customers to enhance banking experience.Maintain customer accounts and CIF’s for accurate information.Maintain drawer and vault cash limits.Balance drawer, vault and coin sorter.