Performed financial / credit risk analysis, formulating / implementing retention, and workout strategies for loans within the Commercial, SBA, and Special Asset teams for the bank’s footprint, in addition to completing AML risk reviews, client due diligence (CDD), enhanced due diligence (EDD), and reconciling all treasury management products within each portfolio. • Analyzed complex business / personal financial statements / tax returns. • Monitored credit relationships with a 90% inventory turnover ratio, completed extensive / forensic portfolio research, ensuring products were structured / priced consistently and in compliance with Wells Fargo’s policy, AML / BSA regulations, investor guidelines, as well as State / Federal regulations. • Completed AML risk reviews, client due diligence (CDD), enhanced due diligence (EDD), and reconciled all treasury management products within each portfolio. • Negotiated creative work-out structures to meet the needs of customers, investors, and banks, while minimizing, and mitigating per commensurate risk exposure. • Built strong collaborative relationships / KYC / partnerships with market-sensitive customers, internal / external counsel - mediation, litigation, and recovery, vendors, and the executive management team. • Partnered with internal / external counsel for cost-effective litigated resolutions, liquidation of real estate, surety bonds, proof-of-claims, bankruptcy, and discounted settlement agreements. • Completed SBA payment deferral underwriting requests, processed SBA PPP loan forgiveness packages, managed Watchlist, Observation, past due, charge-offs, and risk rating downgrades for the entire SBA portfolio and subsequent relationships.

Conducted all consumer credit and collateral analysis for the main office call center clients. • Interviewed loan applicants to obtain necessary financial information for a variety of loan types - auto, signature, boat, motorcycle, and credit cards. • Analyzed complex financial statements and credit reports. • Developed new business relationships and maintained existing relationships. • Made referrals for new business opportunities

Managed client relationships, underwriting, negotiating, funding, collateral evaluating, and servicing of large dollar, stock-secured credits - Hypothecation Loans. • Clients included executives and management-level employees throughout the country for corporations such as United Parcel Service, ARAMARK, McKinsey Consulting, and Ryobi Technologies.

Managed approximately twelve employees. Executed personnel administration, budgeting, customer service, team coordination, and motivation. • Managed financial performance of business unit through effective sales efforts and cost controls. • Guided the branch to achieve a medal in the company-wide sales incentive program for meeting and exceeding the annual production and customer service goals. • Kept close ties in the community, helping the branch with the Business Loan and Community Reinvestment Act goals.

Supervised the compliance of staffing, service standards, security procedures, and regulatory guidelines. • Administered performance appraisals and assessments, coaching, and salary reviews. • Ensured adherence to operational guidelines and performed random audits. • Analyzed personal loan requests for profitability, feasibility, and overall risk.

Completed Wachovia’s Management Training Program, enhancing knowledge of the retail bank and learning the functions of various positions within a Wachovia banking center. • Maintained loan and deposit portfolio to assist the branch team with goals.

Assisted with credit scoring, unsecured and real estate secured lines of credit application evaluations, and document processing. • Managed second review on loans processed in the branches to ensure proper documents were obtained from customers.• Reviewed loans to ensure credit quality.