Corporate Audit Supervisor

•Actively managed a commercial loan portfolio of distressed credit profiles and relationships•Analyzed and managed key risks and exposures to the corporation, while monitoring adherence to risk tolerance, recommend risk ratings, exposure strategies, and credit structures and decisions for commercial credit products•Performed cash flow and asset analysis of financial statements, including tax returns, Income Statements, Balance Sheets, and pro-formas•Performed impairment analysis on collateral dependent loans, while recommending appropriate provision for loan losses, while ensuring proactive risk and compliance administration•Implemented recovery programs for distressed relationships, when appropriate, while ensuring business level policies, procedures, and practices are in compliance with established risk frameworks•Made recommendations to Senior Management on product improvements or changes and prepare lending activity reports for the Board of Directors•Maintained working knowledge of regulatory guidelines while identifying emerging risk issues, and information based on local and national economics, as well as other concerns that impact the financial institution’s lending activities, for review and discussion at the appropriate level of the company•Assisted with the management of bank owned properties, including securing third (3rd) party vendors, supervision of repairs, and collection of rents

•Teamed with Client and Credit Risk Managers to provide consistent and quality underwriting to ensure clients’ commercial credit needs were met or exceeded, and maintained asset quality•Ensured adherence to company's Commercial Credit Policy to facilitate a sound credit portfolio•Performed all underwriting tasks for new and existing clients, including completion of Credit Loan Memorandums, Risk Rating Scorecards, and pricing models•Teamed with members of in-house Legal Counsel to ensure trusts and marketable securities met all applicable commercial lending regulations•Interfaced with Document Administrators to support the quality and timely delivery of documents •Analyzed risks, mitigating factors, and exposures to the corporation, while recommending risk ratings, exposure strategies, and credit structures and decisions for commercial credit products