Experience

Locus

• United States
• Financial Services
• 1 - 100 Employee

• Underwriter

  • Dec 2021 - Present



C&F Bank

• United States
• Banking
• 200 - 300 Employee

• Senior Commercial Analyst

  • Aug 2019 - Dec 2021

  Richmond, Virginia, United States



Sunmark Credit Union

• United States
• Financial Services
• 100 - 200 Employee

• Business Loan Analyst

  • Nov 2015 - Aug 2019

  Latham, New York • Evaluating clients’ credit data and financial statements to determine the degree of risk involved in lending money to them by writing loan proposals • Ordering appraisals for each commercial mortgage • Performing appraisal reviews on each appraisal received for each commercial mortgage. • Performing annual reviews on relationship exposures over $550,000 on an $80,000,000 portfolio • Completed 525 total underwritings on individual loan facilities in 2018. This total includes… Show more • Evaluating clients’ credit data and financial statements to determine the degree of risk involved in lending money to them by writing loan proposals • Ordering appraisals for each commercial mortgage • Performing appraisal reviews on each appraisal received for each commercial mortgage. • Performing annual reviews on relationship exposures over $550,000 on an $80,000,000 portfolio • Completed 525 total underwritings on individual loan facilities in 2018. This total includes the following: Loan Type: Amount: Mortgages: 105 Time Notes: 4 Letter of Credits: 1 Term Loans: 21 Line of Credits (New/Renewals) 55 Guidance Lines of Credit: 4 Credit Cards: 17 Declines: 11 Total Loan Proposals: 218 Individual Loan Reviews: 176 Amendments: 23 Total Individual Appraisal Reviews: 108 Total Underwriting: 525 • Running weekly loan pipelines for team • Ordering environmental reports on commercial properties • Filling out loan applications and including the credit analysis and loan request summaries, then submitting these loan applications to loan committees for their approval • Presenting higher risk loan proposals to loan committee for approval • Analyzing client records and using the data to recommend payment plans • Spreading financials on baker hill. • Administrator of CreditQuest (Origination System) • Meeting with members to sell credit union products • Conferring with credit associations and references to exchange credit information on clients • Evaluating the financial status of clients by producing financial ratios • Conferring with clients to verify their financial/credit transactions and to resolve their complaints • Attend networking events to build business relationships • Put together loan packets to underwrite • Pull credit report on members • Underwrite business credit card applications • Attended the Commercial Lending Conference in Washington DC Show less



1st National Bank of Scotia

• United States
• Banking
• 1 - 100 Employee

• Commercial lending credit analyst

  • Jan 2014 - Nov 2015

  • Ensure compliance with bank policies and procedures • Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money • Obtain and analyze all necessary financial data • Perform written analysis of new loan applications to measure financial strengths and weaknesses of borrowers and guarantors, collateral adequacy and general credit worthiness • Communicate with credit applicants to develop information concerning their… Show more • Ensure compliance with bank policies and procedures • Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money • Obtain and analyze all necessary financial data • Perform written analysis of new loan applications to measure financial strengths and weaknesses of borrowers and guarantors, collateral adequacy and general credit worthiness • Communicate with credit applicants to develop information concerning their business needs and earnings to determine whether a loan may be an acceptable risk • Support department’s goals through effective credit analysis of applications • Identify opportunities to refer customers and potential customers to other departments to provide services that meet their needs • Communicate effectively with employees, applicants, attorneys, etc. • Demonstrate good interpersonal skills and a team orientation • Properly structure commercial transactions to mitigate unnecessary risks • Coordinate the ordering of documents and help document loans to evidence debt and to ensure perfection of the Bank’s security interest in compliance with regulatory and legal requirements • Remain current on changes in economic and market conditions that might affect credit risk • Backup to commercial lenders as needed • Other duties as assigned

• Teller

  • Sep 2012 - Jan 2014

  Scotia



State University of New York Cortland

• United States
• Higher Education
• 700 & Above Employee

• Student

  • Sep 2007 - May 2012

  Finance course, Department of Business, SUNY Cortland Fall 2010 • Calculated performance metrics for local businesses (NPV, FV, ROI) and compared to industry standards to help understand financial health of the firms. • Prepared and analyzed financial statements of local business. • Evaluated organizational performance and compared figures with local competition. Computer Applications in Economics and Management course, Department of Business, SUNY Cortland Fall… Show more Finance course, Department of Business, SUNY Cortland Fall 2010 • Calculated performance metrics for local businesses (NPV, FV, ROI) and compared to industry standards to help understand financial health of the firms. • Prepared and analyzed financial statements of local business. • Evaluated organizational performance and compared figures with local competition. Computer Applications in Economics and Management course, Department of Business, SUNY Cortland Fall 2011 • Problem-solving oriented course used spreadsheets and statistical software to analyze and solve economics and management problems. • Worked mainly with Excel Strategic Management course, Department of Business, SUNY Cortland Spring 2012 • Integrative study of strategic decision making in organizations. • Intensive research and PowerPoint was used in presentation of case studies. Show less