Steven Archer Email & Phone Number

St. Louis, Mo, Us

St. Louis, Mo

St. Louis, Mo

Kirkwood, Mo

1) Works closely with loan officer in underwriting new and existing commercial real estate and C&I loans. 2) Analyzes financial statements, tax returns, and other related information pertaining to the loan, in order to determine borrower’s capacity to meet monthly debt service requirements. 3) Prepares a detailed credit write-up to include the background of the borrower, analysis of collateral, financial statement spreads and analysis of borrower and guarantors, and personal credit history of guarantors. 4) Provides recommendation based on strengths and weaknesses of borrower, as well as mitigation of the stated weaknesses. 5) Monitors monthly borrowing base certificates on credits secured by accounts receivables and prepares quarterly watch list memos and impairments on substandard and watch credits.

St. Louis, Mo

1) Managed the flow of processing, underwriting, and documenting new customer requests across various industries such as Recreational Vehicles, Agricultural Equipment, Construction Equipment, Transportation, and Outdoor Power Equipment. 2) Utilized in depth ratio and trend analysis of customer’s business financial statements, as well as obtaining bank and trade references, personal credit reports, and personal financial statements to provide detailed underwriting and credit decisions on credit line requests between $50,000 to $20,000,000. 3) Evaluated existing customer credit line needs and payment performance on a periodic basis. 4) Developed a strong and diverse group of individuals within the credit department.

• Met company application and loan closing quotas by soliciting customers via generated lead sources and responding to inbound inquiries• Analyzed personal financial statements, credit reports, and tax documentation to determine the most appropriate loan product for customer’s needs• Oversaw loan process to completion, including providing necessary documentation, communicating with customer and underwriting, and attending loan closings as necessary

• Utilized Dunn & Bradstreet reports, personal credit reports, tax returns, and personal and corporate financial statements as part of effective risk analysis strategies for loan submissions of $100,000 and up• Monitored all aspects of PMSI credit facilities across multiple industries including manufactured housing, recreational vehicles, real estate, & commercial trailers• Established legal documentation including irrevocable letters of credit, UCC documents, and real estate liens• Trained and supervised administrative assistants and credit representatives

Master'S Degree, Accounting

Bs, Communications