SUMMARY

• Risk Management Association certified in the areas of; Financial Accounting, Risk Assessment, Cash Flow Analysis, Loan Structuring and Pricing, Documentation and Compliance, and Problem Loan Detection

TECHNICAL SKILLS

Programming Languages: C++ Programming, SAS and SQL Software

Word Processing: Microsoft Office, Excel 2007, Access 2007, PowerPoint

PROFESSIONAL EXPERIENCE

Confidential, Phoenix, AZ

Vice President, Credit Underwriter

Responsibilities:

• Account Manager of a portfolio of approximately 40 customers wif total loans outstanding of $30MM.The position is a hybrid role consisting of a credit analyst, portfolio manager and relationship manager.
• Existing portfolio and new loan originations consist of SBA and conventional loans including investor CRE, owner - occupied CREand C&me.
• Responsible for developing new business through COI, referrals, existing customers and call ins.
• Underwrite new loans, modifications, financial reviews, annual reviews and other necessary reporting requirements.
• Negotiate loan terms wif the client, internal credit officer and CEO to ensure proper loan structures and best strategies are used dat
• benefit both the client and the Bank.
• Work closely wif the internal loan operations manager, external appraisers, insurance agents, title companies and other outside
• parties to ensure proper documentation throughout the entire loan process.

Confidential, Birmingham, AL

Vice President, Commercial Underwriting Team Leader

Responsibilities:

• Managed 7 Commercial Real Estate underwriters
• Evaluated monthly reports for reporting and quality assurance accuracy to comply wif federal company guidelines
• Collaborated wif underwriting team in structuring and performing cash flow analysis for Commercial RE loans
• Possessed $2MM in Commercial and Settlement Risk lending approval authority
• Maintained team portfolio consisting of 300+ Commercial loans
• Delivered approvals to branch associates and business bankers for renewal loans up to $2MM in Commercial Banking portfolio
• Liaised wif customers, banking executives, associates, commercial bankers, Problem Asset Officers, and Para-lenders to expedite loan closing process
• Reviewed Title Polices and Commitments for accuracy
• Reviewed Appraisals for LTV and Collateral accuracy
• Structured new loan request and renewals to comply wif company policies and federal compliance guidelines
• Assisted implementation of a third party credit/loan group based in New York
• Facilitated new databases to streamline regions’ business continuity programs

Confidential, Birmingham, AL

Commercial Real-Estate Early Warning Risk Analyst

Responsibilities:

• Served obligor relationships $1MM+ from the banks, Business Banking, Community Banking, and Private Banking portfolios
• Conducted research on economic conditions and positioning in the current credit cycle, which served as a critical factor in the support and success of the bank’s line of business Portfolio Administration
• Assisted wif monitoring centrally underwritten and approved relationships for servicing requirements and covenant compliance
• Performed extensive revenue research by way of tax returns, financial statements, and income documents and performing economic spreads utilizing Moody’s Risk Rating system, to ensure overall profitability and to apply an appropriate company risk rating for each credit
• Serviced and monitored loan agreement compliance, identified changes in risk profile for small business and high net worth individual relationships wif total credit exposure up to $10 million
• Assisted wif the monitoring of high-risk customers wifin the SBA (7A) loan portfolio to detect any type of financial risk dat maybe forthcoming wif financial documents and to ensure all loan covenants are in compliance
• Held $500M in credit approval authority for the Commercial and Business Banking sectors

Confidential, Birmingham, AL

Corporate and Commercial Asset Allocations Risk Analyst

Responsibilities:

• Conducted extensive economic research utilizing various third party and SAS internal databases to formulate concise economic trends wifin the companies’ Commercial Real estate and Industrial portfolios
• Performed cost and probability default analysis of loans wifin the companies’ portfolios to ensure organization profitability
• Evaluated economic risk data dat halp identify potential economic threats dat may negatively impact sectors of the portfolio the bank holds is most substantial asset holdings
• Collaborated wif the Economic Research department to formulate forecast models on Capitalization Rates and Value Index rates for the companies Commercial Real Estate portfolio
• Constructed a system to develop a standardized rate of interest for our non-performing loan portfolio
• Developed trend line graphs to display findings of research to present to Economic Boards wifin the company

Confidential, Birmingham, AL

Assistant Branch Manager

Responsibilities:

• Consulted affiliate and non-affiliate HSBC customers, provided by referrals and company sponsored leads, wif the achievement of financial wealth and credit repair
• Evaluated credit bureaus while uncovering financial needs to halp devise a solution deemed beneficial of the products offered by the company including home mortgage refinancing, home equity loans, and personal loans
• Assessed income documentation for cash flow purposes and credit reports for loan origination and underwriting
• Reviewed all loan applications and documents to ensure full compliance wif company and state guidelines
• Researched local demographic regions for potential loan worthiness and to delineate potential company financial loss
• Monitored daily operations of sales branch; duties included accounting, reviewing and approving journal entries, and completing daily and monthly financial audits

Confidential, Birmingham, AL

Senior Credit Manager

Responsibilities:

• Consulted present and future clients regarding their current financial position and utilized various debt consolidation techniques to analyze and forecast various plans to improve overall financial position and current/ future cash flow
• Utilized referrals and company provided sales leads to present customers wif diverse financial service products including; unsecured loans, credit cards, real estate loans etc.
• Evaluated income documentation, credit reports, and tax records for loan origination and underwriting
• Collaborated and negotiated wif various underwriters to obtain loan approvals and to evaluate credit worthiness
• Specialized in auto financing and refinancing, home refinancing, and debt consolidation
• Conducted and organized team sales meetings and company diversity meetings