Steven Johnson Email & Phone Number

Portland, Or, Us

Portland, Oregon Metropolitan Area

Produces comprehensive credit analyses and requests, under the direction of the VP Credit Risk, in order to ensure timely, accurate presentations for a wide variety of loan types and complexity in service of senior management/officers, officials of outside agencies, and member businesses, professionals, and organizations.

Lake Oswego, Oregon

Provide relationship support, credit analysis, and portfolio management for commercial and industrial lending team.

Lake Oswego, Oregon

Responsible for conducting complex financial analysis of financial information provided by loan clients in support of a pending loan decision or in support of an existing loan facility.Specific Duties Include:· Maintain a working knowledge of Washington Federal policies and procedures as well as regulatory guidelines.· Review applications, credit reports and perform other credit investigations, as needed.· Conduct financial analysis including spreading financial statements, ratio analysis, and peer and industry comparisons.· Review and analyze the financial position of loan guarantors.· Prepare narrative analysis of findings and draft loan presentations.· Review budgets for development and construction projects as applicable.· Order appraisals with an understanding of what types of values to request.· Review and analyze appraisals, leases and, perform market studies.· Perform master file maintenance, ensure accuracy and completeness, including quarterly covenant tracking.· Review delinquency and maturing loan reports to assist Relationship Managers in management of existing portfolios.· Conduct collateral evaluations and audits as requested by Relationship Managers or Supervisor.· Conduct annual loan reviews as applicable.

Tigard, Oregon

Responsible for underwriting ATR/QM compliant jumbo portfolio and residential construction to permanent mortgage files and providing commercial analysis for all self-employed borrowers for portfolio mortgage loans greater than $1MM. Ten mortgage files underwritten from submission to closing per month and twice that many financial analyses completed for self-employed borrowers. Learned the use of SAM analysis to meet ATR/QM standards and compare to UCA cash flow for alternative credit risk measurement and became proficient with Encompass mortgage underwriting software.

Portland, Oregon Area

Supported two Special Asset Group Relationship Managers directly and a SAG Department Manager indirectly in attempting recovery of commercial loans with a significant default and risk of loss. Learned to use Moody’s Analytics to spread and assess the performance of borrowers against modified covenants designed to allow them to recover from financial hardship. Worked with legal counsel to modify and forbear defaulted loans as well as preparing claims for bankruptcy filings and SBA guarantees.

Portland, Oregon Area

Analyze financial data related to new and renewal loan requests, including lines of credit, asset-based lines, commercial real estate, and equipment financing loans. Present facts and offers opinions and recommendations to commercial relationship managers concerning applicants' credit worthiness. Prepare summary of analysis and recommendation with supporting information for credit decision in collaboration with the commercial relationship manager. Reviews and monitors commercial and real estate loan documents for accuracy, completeness, and adherence to approval conditions. Provide support in monitoring existing loan performance.

Portland, Oregon Area

Manage all retail banking functions at store location including customer service, teller transactions, new accounts and account changes, business development, and new loan origination. Lead team of five associates under direction of Store Manager.

Portland, Oregon Area

Utilized personal book of clients to ensure customer satisfaction with comprehensive development of seasonal wardrobes and professional attire to make men into gentlemen.

Portland, Oregon Area

Developed modern market profile for historic Catholic newspaper to improve advertising sales revenue by maximizing participation of existing clients and leveraging relationships with satisfied customers to expand clientele.

Bs, Finance

Studied business administration, surveying all major disciplines, with a concentration in finance.

As, Oregon Buiness Transfer Degree

Fulfilled the breadth requirements of changing from a major in art to a degree in science with a concentration in business.