SUMMARY:

• Outstanding communication and presentation abilities.
• Proficient with Microsoft Office including Excel.
• Extensive training in Wealth Management - Merrill Lynch, Credit Services, Risk Management Group, Brand Marketing, Global Corporate and Institutional Banking and GWIM.
• Ability to achieve immediate and long-term goals while meeting operational deadlines
• Proven managerial leadership and team-building experience.
• Comprehensive knowledge of company financial statements, compliance certificates, brokerage statements and other documents pertaining to investments and loans.

TECHNICAL SKILLS:

Microsoft Office, Excel, Wealth Management - Merrill Lynch, Credit Services, Risk Management Group, Brand Marketing, Global Corporate and Institutional Banking and GWIM.

PROFESSIONAL EXPERIENCE:

Credit Analyst

Confidential, Charlotte, NC

Responsibilities:

• Maintain a portfolio of commercial accounts in wholesale including developing customer relationships.
• Prepare written reviews-committees on customer credit files relative to financial strengths and weaknesses to determine credit worthiness.
• Gather information for customer credit files including financial statements, bank statements and personal financial statements for written credit analysis.
• Made informed credit decisions that mitigate risk and protected the assets of CIT while servicing clients up to $2MM in exposure.

Data Quality Analyst

Confidential

• Validate Industry and business function counterparties for Wells Fargo Wholesale accounts for use by Treasury to evaluate risk and capital levels.
• Provide description/commentary to support counterparty determination.
• Research companies/accounts using various public and private search engines, regulatory report filings and SEC and FINRA databases.
• Reviewed and performed quality assurance for management to make sure counterparty and an accurate description were used per Treasury guidelines.
• Became subject matter expert reviewing Wholesale accounts for senior management and mentored/coached teammates.

GWIM- Financial Analysis & Monitoring Specialist

Confidential, Charlotte, NC

• Responsible for monitoring and managing the credit quality and data integrity of assigned GWIM credit relationships to facilitate a sound credit portfolio.
• Evaluated the timely delivery of technically accurate spreads and risk rating scorecards using in depth analysis of personal financial statements and tax returns to ensure the timely follow up of loan monitoring activities and annual exposure reviews up to $100MM.
• Worked closely with Credit Managers and leadership team on commercial or private banking relationships finalizing risk rating scorecards.
• Analyzed business and personal tax returns, brokerage statements, K1s, personal financial statements and legal statements to monitor trends and perform DSC calculations to assess if borrower could service debt payments.
• Prepared Risk Assessments for senior management and attended monthly credit risk meetings. Made recommendations for senior management on policy changes for credit risk and underwriting.

Portfolio Officer

Confidential, Charlotte, NC

• Managed a portfolio of 250 plus borrowers with a minimum risk-rating of 8. Responsible for restructuring credits within SAG credit guidelines for business loans/lines up to $1MM. Have the authority of renewing lines of credit if borrowers show capacity to service facilities with appropriate cash flow and correct utilization of line plus restructure collateralized loans.
• Assessed the initial risk of each credit plus create a full comprehensive risk assessment review to help mitigate and reduce the liability for the bank.
• Evaluated business and personal tax returns, personal financial statements, brokerage statements and legal agreements to determine if the borrower/guarantor has the capacity to service existing debt for new terms. Assess cash flow to analyze abilities of the borrower/guarantor to repay the term.
• Possessed excellent negotiation skills to acquire additional interest and fee revenue for the bank. Act as the portfolio officer for borrower until the client either pays the facility in full or a new restructured loan gets approved back to the original line of business.

Risk Manager

Confidential, Charlotte, NC

• Underwrote and approved existing and new business loans up to $1MM in the southeast and northwest markets
• Assumed the role as both underwriter and banker on 75% of all credits housed in the department. Negotiated with borrowers, within the parameters of policy guidelines, to set up the structure, terms and repayment sources
• Responsible for both unsecured and secured lines of credit and term notes
• Evaluated business and personal tax returns, audited returns if available, personal financial statements and legal agreements to determine if combined borrower/guarantor had the capacity to service existing debt for renewal. Assessed cash flow to determine abilities of borrower/guarantor to repay term note if elected to not extend a line of credit.
• Exercised caution and performed due diligence on loan purposes, collateral evaluations, business industries, management analysis, financial conditions/repayments, guarantor analysis, grade justifications and pricing for all credits

Underwriter II AVP

Confidential, Charlotte, NC

• Underwrote loans and lines of credit to businesses and individuals up to $500M secured by commercial, multi-family and 1 - 4 family residential real estate properties with values up to $3MM
• Worked closely with business bankers, store channel bankers, home mortgage consultants, guarantors of apply businesses, loan consultants and management to originate commercial loans
• Gathered and analyzed financial and other information to support structuring and approval of business loans
• Ensured business loans were within appropriate company parameters, otherwise provided justifications for all exceptions to policies
• Analyzed business and personal tax returns, rent rolls, operating statements and lease agreements to monitor trends and perform DSC calculations to assess if businesses and guarantors could service new debt
• Meticulously reviewed appraisals, titles, environmental insurance, mortgage statements, credit reports and other financial documents to ensure they were within company guidelines

Commercial Credit Analyst AVP

Confidential, Charlotte, NC

• Was responsible for executing analytics on new and existing wholesale loan requests and performing servicing tasks on existing portfolios
• Provided analytical support to risk advisors and the commercial business banking and/or community risk managers
• Conducted financial statement spreads including unqualified, qualified, reviewed, compiled, tax returns and company-prepared financial statements
• Adhered to credit policy and credit grading consistency guidelines in performing personal cash flow analysis for renewals and potential guarantors
• Performed secondary servicing tasks including covenant compliance analysis, borrowing base analysis and collateral valuation analysis
• Performed analysis in preparing projections and running scorecards for grading purposes of renewals and prospects
• Developed extensive knowledge of CATools, Moodys Risk Analysis and CLAS
• Served as mentor to Risk Service Specialists by helping Specialists understand what Risk Analysts did on a daily basis
• Chairman of Learning Committee within Centralized Services in Charlotte
• Developed working knowledge of STOC including brokerage, trust and stock accounts with customers