Stephanie M. Email & Phone Number

• Managed a loan portfolio of 65+ relationships consisting of CRE loans, participation loans and small business loans and conducted annual loan reviews for loans with an outstanding balance greater than $500M.• Prepared cash flow analysis and performed structured analysis of financial statements and tax returns to assess the members financial situation and to identify potential risks which reduced credit defaults.• Analyzed and underwrote various types of loan requests including CRE loans, small business loans, line of credits and business credit cards. • Assessed risk ratings and conducted market and collateral research to support informed decision making.• Ensured that performed work complies with current internal banking policies and procedures and follows proper due diligence obligations and external regulations like BSA.

Solingen, North Rhine-Westphalia, Germany

• Evaluated business plans and analyzed financial statements of corporate clients to assess their financial situation and identify potential risks.• Translated financial data & analysis into written reports and presentations. Communicated findings and possible solutions effectively to internal and external audiences. • Created tailored solutions by leveraging the lending and credit functions of the bank.• Actively managed a large customer base of small-to medium-sized commercial clients across various industries, resulting in long-lasting customer relationships.

Solingen, North Rhine-Westphalia, Germany

• Managed an extensive customer base of about 2000 private and small-sized business clients. • Conducted credit risk analysis for new and renewal loans leading to a measurable reduction in credit default.• Collaboration with interdisciplinary finance teams successfully supported the financial needs of the local community.

Solingen, North Rhine-Westphalia, Germany

• Assisted a team of relationship managers by opening various types of bank accounts, processing transactions, and collecting new client information.• Served as key liaison between customers and relationship managers.

Solingen, North Rhine-Westphalia, Germany

• Assisted clients with processing transactions, resolved complaints and account discrepancies. • Recorded and stored information related to transactions and customer’s data accurately. • Educated customers about core banking products and services.

Bachelor'S Degree, Business Administration, Gpa 3.7

Relevant Coursework: Quantitative Methods, Business Information Systems, Accounting, Economics, Investment, Financing & Taxes, Company.

Banking Professional