Spencer Hansen Email & Phone Number

Orlando, Florida, United States

Orlando, Florida, United States

Maitland, Florida, United States

• Reported directly to the Chief Credit Officer assisting with overall risk management.• Created financial analysis reports for the $400MM loan portfolio used for risk management decisions which reported to upper management and the Board Credit Committee. • Developed an audit/examination preparation process which reduced the overall audit/examination completion time from 6 months to 2 months and reduced overall findings.• Analyzed each new commercial loan to ensure they comply with bank credit policies and procedures which improved incoming data accuracy for financial reporting.• Implemented a data cleanup process which consisted of reviewing over 300 existing loans to ensure proper documentation in the core system improving data accuracy.• Assisted the Special Assets Officer with risk management and credit analysis for the special asset portfolio.

Maitland, Florida, United States

• Underwrote new and renewing loans ranging from $100M to $5MM comprising of both CRE and C&I and presented these loans for approval in approval committee meetings.• Completed annual reviews and loan modifications for loans ranging from $500M to $9.5MM comprising of both CRE and C&I loans. • Performed quarterly covenant compliance tests, maintained financial spreads and guarantor analysis for the portfolio management team.• Produced weekly Executive Credit Committee and Board Credit Committee binders which contained pending approval items and recorded minutes for said meetings.• Performed third party vendor reviews with a focus of managing risk management and reducing any unnecessary exposure to potential economic deterioration.

Mesa, Arizona, United States

• Oversaw the development and production of 8 credit analysts from onboarding to full autonomy in their credit analytic responsibilities. • Managed and distributed credit requests from 7 different lending groups within the bank including CRE, C&I, HOA, Warehouse Lending, Commercial Finance, Equipment Finance, and Hotel Lending.• Completed all credit analyst responsibilities outlined below.

• Perform special financial statement analysis, typically involving complex and interlocking relationships using Moody's Risk Analyst and Moody's Creditlens software.• Work closely with lenders to determine the risk rating on prospective deals.• Compute required covenant test on existing borrowers to determine covenant compliance.• Complete personal tax analyses for existing or potential guarantors on loans of various sizes using Bukers Tax Analysis software.• Analyze and calculate Borrowing Base Certificates in order to determine eligible amounts to be drawn on lines of credit.• Assisted in the underwriting process for loans ranging from $180,000 to $2,300,000.

Phoenix, Arizona Area

• Implemented Community Reinvestment Act Regulations in my day to day activities• Analyzed and managed over 4,500 CRA qualifying small business loans following federal regulation using CRA Wiz software. • Analyzed and managed all community development loan data following federal regulation using Kadince software• Prepared reoccurring reports on the current position of Small Business and Community Development Loans for upper management and federal reserve examiners• Corresponded with other bank divisions on CRA policy and procedures to ensure compliance.

Mesa, Arizona

Rexburg Idaho

• Managed 12 student employees each week • Met with each student once a week to review performance and development • Assisted in weekly training meetings where policy’s and procedures were reviewed • Organized and implemented a training program focused on the Admissions Office mission statement.

Admissions Office

• Perform customer service for 20-30 current and prospective students each day via phone, email, live chat and “walk ins”• Communicate university admissions policy to inquiring patrons in a timely and accurate manner• Lead tours for perspective students around campus 2-5 times a week• Compile, summarize, and analyze data to improve recruiting efforts across the nation

Admissions Office

• Organize 45-50 tours for perspective students with appropriate tour guides on a monthly basis• Direct monthly training meetings on proper campus tour procedures to 20-25 fellow coworkers • Assess employees on their overall performance during tours, focusing on improvement • Maintain a consistent overall tour performance rating of 96-98 percent from post tour surveys

Phoenix, Arizona Area

• Lend support in gathering and analyzing credit information on current and potential borrowers.• Contribute in determining the advisability of granting credit for diversified types of loans.• Spread large, complex financial statements and tax returns and complete cash flow forecasting using Moodys Riskanalyst and Bukers Tax Analysis.• Communicate with loan officers regarding new and existing loans.

• Organized a leadership conference which had 490 people in attendance• Managed team of 3 in planning and operating advertising booths in locations across campus• Developed and implemented advertising campaigns for more than 17,000 students• Organized kick off events to spread awareness of upcoming events on campus

Richland/Kennewick/Pasco, Washington Area

• Lead groups of 20-30 volunteers for six week period • Organized and implemented weekly training meetings geared towards improving performance.• Collected and compiled statistical information from each of the volunteers on a weekly basis. • Worked with the pubic on a daily bases from 10am-9pm

Sun Vally California

• Organize stock and inputted inventory for over 1,000 automotive parts on a tri weekly base.• Operated the Cash register• Managed and Organized the show room to be appealing to customers• Help with customer service by answering the phone and taking orders