SUMMARY:

With over 15 years of experience in the financial services industry, I am confident that my skills in financial analysis will help an organization increase its services, business, and revenues.

WORK EXPERIENCE:

VP Chief Credit Officer

Confidential, Springfield, IL

Responsibilities:

• Responsible for the overall management of the Bank’s commercial and consumer lending portfolio totaling to approximately $170MM.
• Responsible for leading, motivating, and training the Credit, Collections, and Lending Departments which includes 12 direct reports including 7 commercial lenders.
• Work alongside the President & CEO on a daily basis on various tasks and projects.
• Present monthly reports to the Board of Directors to keep them informed covering loan loss reserve, stress testing, industry concentrations, past dues, etc.
• Significant involvement in customer meetings with new loan prospects and existing clients including negotiation and structuring of loan terms.

AVP Credit Risk Manager

Confidential, Springfield, IL

Responsibilities:

• Supervise a department of 4 employees, with responsibilities spanning commercial & consumer underwriting and special assets management.
• Responsible for evaluation of the company’s largest clients, with average loans ranging from $150M - $9MM.
• Present monthly reports to the Board members and Directors, covering such issues as loan concentration, loan loss reserve, non-accruals, & past dues, etc…
• Responsible for monitoring the bank’s loan portfolio by stress testing based on fluctuation of such factors as interest rates, cash flow, & property values.
• Created tracking spreadsheets to monitor workflow and ensure timely turnaround of credit requests to provide better service to the customer.
• Train and mentor analysts to ensure that all write-ups are properly structured and thoroughly address all relevant issues.
• Strength in multitasking allows me to manage, while still leading the department in volume of loans underwritten.

Senior Credit Analyst

Confidential, Springfield, IL

Responsibilities:

• Responsible for evaluation of the company’s largest clients, with average loans ranging from $150M - $9MM.
• Daily interaction with Senior Management in providing analytical insight into new loan opportunities and existing problem loans.
• Key individual in improving the bank’s credit standards, achieved by thorough and detailed write-ups identifying core risks, coupled with solid loan structuring.
• Attended weekly loan officer meetings to field financial questions and provide input, so that members can make sound credit decisions.
• Created and implemented new commercial loan templates that are currently used by the bank; resulted in numerous efficiencies that have been well received by the board.

Credit Products Underwriter

Confidential, Concord, CA

Responsibilities:

• Responsible for the evaluation of new credit requests, renewals and expansion of existing credit facilities to exceed client expectations, while mitigating risk to the bank.
• Monitored clients’ operating performance and financial condition to proactively identify issues and opportunities.
• Evaluated clients’ covenant compliance and performance pricing issues that may have required modification to approval and legal documentation.

Supply Chain Analyst

Confidential, Mount Sterling, IL

Responsibilities:

• Responsible for the logistics planning for the corporation, with emphasis on the analysis of the most effective distribution locations.
• Involved in numerous ongoing projects aimed at reducing company expenses, by such things as reducing miles, improving delivery times, and efficient usage of fuel.
• Responsible for the analysis of miles for payroll purposes for over 800 drivers.

Senior Dealer Credit Analyst

Confidential, Torrance, CA

Responsibilities:

• In addition to the duties listed below, the promotion allowed me to analyze the more complex credits, with loan relationships extending up to $100MM.
• Responsible for negotiating with field offices in structuring loan requests to satisfy the customer, while mitigating risks to the company.
• Presented loan requests to credit committee weekly, and fielded questions from senior management, legal, and pricing departments.
• Trained and mentored new analysts on a daily basis.

Dealer Credit Analyst

Confidential, Torrance, CA

Responsibilities:

• Responsible for underwriting of loans for owners of automotive dealerships, ranging from $10MM up to $50MM, encompassing real estate loans, revolving lines, working capital loans, bridge loans, and auto floor plan lines.
• Actively participated in weekly Credit Committee meetings.
• Supported numerous field offices throughout the country.
• Involved in numerous committees aimed to make processes more efficient.

Credit Analyst

Confidential, Streator, Illinois

Responsibilities:

• Responsible for underwriting of commercial and agricultural loans from $25M - $4MM, which included cash flows, collateral evaluations, borrowing bases, etc.
• Worked closely with loan officers and upper management to structure loans.
• Actively participated in weekly loan committees with senior management.
• Helped mentor and train new analysts.