Experience

Community Bank, N.A.

• United States
• Financial Services
• 700 & Above Employee

• Loan Review

  • Jan 2018 - Present



E & V Energy Corporation

• United States
• 1 - 100 Employee

• Benefits Coordinator

  • Apr 2014 - Mar 2017

  Coordinated health insurance, life insurance, 401k, workers compensation, disability, and payroll functions for new and existing staff. Coordinated health insurance, life insurance, 401k, workers compensation, disability, and payroll functions for new and existing staff.



First Niagara Bank

• United States
• Financial Services
• 700 & Above Employee

• Senior Credit Manager

  • Aug 2009 - May 2013

  Approved new commercial loans up to $5,000,000. Responsible for managing a team of Portfolio Underwriters who analyzed all deals between $250,000 and $5,000,000 including new money requests, line renewals, and annual reviews. Assisted Relationship Managers with deal structure, loan pricing, and risk rating. Oversight for monitoring multiple reports with responsibility for adjusting risk rating as appropriate Reviewed in-depth classified loan summary reports on each of approximately 50 relationships on a quarterly basis. Show less

• Credit and Portfolio Manager

  • Aug 2005 - Aug 2009

  Approved new commercial loans up to $1,000,000. Responsible for a team of 7 Portfolio Managers who assist Business Banking Relationship Managers with administrative and reporting duties. Responsible for preparing or reviewing reports provided to executive management as well as Board of Directors.

• Commercial Banking Relationship Manager

  • Apr 1998 - Aug 2005

  Managed a portfolio of 75 commercial clients with total borrowings exceeding $50,000,000. Served as primary point of contact for loan requests, deposits needs, cash management services, insurance, and investments. Reviewed borrower’s financial condition on a regular basis to quantify credit risk to bank and determine proper strategy with each borrower.



Chase

• United States
• Financial Services
• 700 & Above Employee

• Business Banking Relationship Manager

  • Jan 1994 - Apr 1998

  Managed a loan portfolio of 50 businesses with annual sales between $1,000,000 and $10,000,000.

• Credit Department Manager

  • Sep 1992 - Jan 1994

  Managed a team of 4 credit analysts who performed credit analysis and assigned risk ratings on the Central New York commercial loan portfolio including annual reviews and new money requests.

• Commercial Credit Analyst

  • Jun 1990 - Sep 1992

  Analyzed financial statements of bank clients with additional analysis on management and industry risk factors to establish a risk rating and relationship strategy for each client.