Credit Underwriter Resume Irving, TX - Hire IT People

OBJECTIVE:

To obtain a challenging and rewarding position as a commercial banking executive that utilizes my expertise.

PROFESSIONAL EXPERIENCE:

Confidential,Irving, TX

Credit Underwriter

Responsible for underwriting loan requests for new and existing relationships ranging in loan size up to $ 250M
Responsible for documenting recommendations in credit memoranda analyzing credit risks and analysis
Responsible for communicating with sales force to discuss credit request as needed.
Responsible for timely turnaround of new credit requests in accordance with internal standards.
Ensuring compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors.
Provides consulting with Sales team to develop financing solutions for borrowing Citibank clients to ensure that credit packages submitted accurately and incompliance.
Structuring credit requests in conjunction with Sales team to meet the client's financing needs while sufficiently minimizing credit risk.
Responsible for negotiating terms and conditions of credit requests in conjunction with Sales team
Responsible for resolving post - approval credit issues to find solutions to close transactions.

Confidential, Las Colinas/Irving, TX

Business Analyst

Oversaw credit application process to include completion of credit package prepared by credit assistant
Performed in-dept judgemental financial analysis of new and existing cardmembers in accordance with bank policy to recommend credit limits
Responsible for oversight of some of the most complex credit relationships with combined company and individually billed accounts
Evaluated company and industry trends per current economic conditions
Responsbile for accurately spreading business financial statements and generation of profitability and liquidity ratios
Responsible for completion of credit memorándum with judgmental recommendations and projections based on credit and financial results
Maintained portfolio via delinquency managment tools to include contribution margins, MIS systems and queue managment
Assisted Relationship Managers with credit limit increase requests along with addition of new product
Sevred on special projects in relation to Diners Club, N.A. products and industry trends

Confidential,Irving, TX

Assitant Vice President

Performed in-depth review of high risk clients that exhibit characteristics as identified by Early Warning triggers
Intergrated in-depth credit operations knowledge with a solid understanding of industry standards and practices
Performed analysis of credit reports, financials, etc. to provide the status on credit and operating statements
Underwriting new and existing accounts over $25,000 up to $250,000
Used judmental recommendation of apprvoal, decline or condition
Completed annual reviews and credit recommendations in a timely manner
Served on special project team to implement starndard underwriting format for highline analyst.
Served on special project group to assist with the startup of the highline credit assist team via training and intial support

Confidential, Austin, TX

Small Business Solutions Specialist

Analyzed business reports with recommendation to SB owners of creditworthiness Managed and trained 6 to 8 associates on D&B SB reports and cross-selling of D&B products.
Supported Small Business owners by creating sales plans and implementing increased usage programs
Performed consultations using D&B Proprietary Credit Analysis software
Judgmental commercial credit experience with financial analysis
Managed approximately 2000 account portfolio with an estimated 100 annual reviews a year totaling $98 million
Strong analytical and problem solving skills
Efficient, detail-oriented, highly organized
Risk / Loss management
Excellent presentation ability
Organized and able to meet deadlines while managing time effectively.
Knowledgeable in commercial lending, relationship management, and sales.
Strong verbal and written communication skills
Self directed and self motivated.
Proficient in use of computer programs including Word, Excel and other credit analysis systems