• Analyze and underwrite full loan in 10 business days taking into account industry metrics, customer performance and ability to pay back debt. • Spread and reviewed various industry financials for existing and prospective customers, taking into account industry fluctuations that affect day to day operational revenue and expenses.• Perform quarterly testing on various internal programs related to underwriting to ensure proper rollout of system updates and enhancements.

● Manage $200MM portfolio of hospitality assets which includes responding to external and internal requests, financial modeling and analysis, forecasting performance and process ad hoc portfolio requests ● Perform ongoing system enhancement testing to ensure new formulas and feeds can and do account for various asset sizes and non-reoccurring financial expense items● Work cross functionally to effectively communicate deliverables, drop dates and ad hoc customer requests to ensure smooth management of existing portfolio ● Detailed review and analysis of customer submitted financial package to ensure reporting accuracy and determine overall health of existing asset in the subject market

● Analyzed and recommended system enhancements to decrease manual input. Identified 50% of inputs could be automated which translated into decreasing customer setup time by 25%. ● Led hospitality portfolio project to identify and compile key data points used to measure and report on $1.4B portfolio performance, which translated to 35 key metrics available for reporting automatically, removing manual compiling of portfolio data ● Reviewed and utilized third party asset appraisals for accuracy and implemented key metrics into credit presentations ● Produced credit presentations for senior approvers detailing potential customer financial performance, market analysis and company background to determine credit worthiness

● Developed benchmarking tool to analyze RevPar decline in stressed market and applied the metric to all prospective customer financials. Tool demonstrated possible property performance in a down economy.● Researched and compiled market and demand drivers for subject properties to illustrate diversification of revenue generators● Monitored increased reporting standards for higher risk customers to ensure satisfactory portfolio performance● Spread and reviewed restaurant financials for existing and prospective customers, taking into account market price fluctuations that affect day to day expenses.● Reviewed loan documentation and client comments to ensure proper legal protection for lender● Worked with Risk Compliance to analyze and track time associated with various tasks in the underwriting process. Analysis led to creation of specialized process teams

Managed 4 employees daily Promoted company brands thru sales and awareness of current promotions Interviewed new applicants and assisted in hiring paperwork Worked with Microsoft Excel to track sales Opened and closed cash registers and balanced tills

Processed daily reports to ensure service level is metResponsible for validating customer information using internal system such as Client Central and WorkflowUtilized Microsoft Outlook to communicate with internal and external customers, schedule meetings with Outlook CalendarGeneral filing and organizing of recordsProcessed auto and personal loan payments