Spencer Hawbaker Email & Phone Number

Champaign, Illinois, United States

Champaign, Illinois, United States

• Conducted financial statement analysis and credit risk assessment for commercial loan applicants, resulting in successful loan approvals and minimal credit losses
• Developed and presented written credit recommendations to loan officers and management, highlighting key risks and opportunities for risk mitigation
• Monitored loan performance and provided recommendations for modifications as necessary, resulting in a reduction in loan defaults
• Worked collaboratively with loan officers, underwriters, and other bank personnel to ensure timely and accurate completion of credit analysis and loan applications
• Stayed up-to-date on industry trends, economic conditions, and regulatory changes that impacted credit risk, resulting in proactive risk management strategies

Maintained inventory and sales ensuring the bar makes a profit.

Decatur, Illinois Area

Worked in teams to control the mosquito population by using scientific control methods.Learned to communicate with the public about controlling mosquitoes on own property.

Decatur, Illinois Area

Maintained a large pool and taught all ages of people swimming techniques.