Scott Beaney Email & Phone Number

Jackson, Michigan, United States

- Underwriting complex Commercial C&I and Commercial Real Estate loan relationships.- Engage with the Credit team and Lending officers, as well as auditors and bank examiners. - Mentor young Credit Analysts. - Provide assistance to Mortgage and Consumer lending. - Provide risk assessment, tracking of loan covenants and financial documentation, and other special projects.

Jackson & Troy, Michigan

- Provided underwriting of new Large Corporate, Middle Market and Business Banking loans, adhering to Credit Policy, properly mitigating policy exceptions, and assessing appropriate risk ratings. Reviewed performing loans on an annual basis. - Prepared and presented quarterly reviews for Leveraged Loans, Watch Credits, and Special Assets. Assisted Sr. Management in implementing strategies for such relationships. - Analyzed financial performance and adherence to loan covenants on existing clients.- Teamed with Relationship Managers to manage client relationships. This included obtaining financial reporting requirements and other information from borrowers, and attending conference calls. - Engaged with third parties as needed (i.e. CPA’s, Field Examiners, Appraisers).- Managed a private investor portfolio for the Warehouse Credit Group by obtaining and tracking financial statements, completing annual reviews and new investor approvals, and obtaining warehouse line of credit verifications from many financial institutions on a quarterly basis.- Gained underwriting experience in Warehouse Credit over the course of a year, as an exercise in team play. - Assisted with special projects as needed, including helping other teams with work overflow, updates to Credit Policy, and participating in Credit team meetings aimed at improving efficiencies.

Ann Arbor & Tecumseh, Michigan

Underwrote C&I and CRE loans, attended client calls, mentored young analysts, organized loan committee agendas, regularly updated and revised the Credit Policy manual, made suggestions for change.

Jackson, Michigan

- Underwrote Commercial & Industrial, and Commercial Real Estate loans for prospects and existing clients.- Supported an established Commercial Lending group with a $300+ million loan portfolio.- Supported two Special Assets Officers when needed.- Attended client calls and helped maintain business relationships.- Prepared annual reviews, quarterly Watch reviews, covenant compliance memos, and financial spreads as needed.- Assisted Senior Credit Management in special projects as needed, such as mass stress-testing and due diligence code cleanups.

Troy, Michigan

- Supported an emerging Commercial Lending group.- Underwrote Commercial & Industrial loans for prospects.- Attended prospect calls with the Loan Officers.

Flint/Livonia, Michigan

- Underwrote Commercial & Industrial loans, and some Commercial Real Estate loans.- Developed financial analysis skills and sharpened accounting skills.- Organized credit files and helped keep files up-to-date.- Ascended to a team lead position that involved mentoring and directing the workflow to a group of five young Credit Analysts, supporting a large volume lending group. Served as a point-person to the Loan Officers for communicating any issues or concerns, and helped resolve issues.

Lansing, Michigan

- Prepared loan committee presentations for Commercial Real Estate loans.- Learned to analyze business and personal financial statements, credit reports, and other information relevant to credit analysis.