Experience

Bank of Clarke

• United States
• Financial Services
• 1 - 100 Employee

• AVP, Commercial Portfolio Manager - Loudoun Region

  • Jun 2017 - Present

  Leesburg, Virginia Provide support to commercial relationship managers and the Bank's client base. Perform detailed credit analysis of commercial loan requests which include C&I, commercial real estate, asset based lending, GOVCON, SBA 504 and 7(a) packages for new credit request, renewals and annual relationship reviews. Responsible for collecting & tracking financial information for new and maturing loans from clients. Client service is a key role as I act as a conduit between the relationship manager and… Show more Provide support to commercial relationship managers and the Bank's client base. Perform detailed credit analysis of commercial loan requests which include C&I, commercial real estate, asset based lending, GOVCON, SBA 504 and 7(a) packages for new credit request, renewals and annual relationship reviews. Responsible for collecting & tracking financial information for new and maturing loans from clients. Client service is a key role as I act as a conduit between the relationship manager and borrower to ensure smooth communication and borrower needs are met efficiently and timely. Additionally, work closely with borrowers and the Bank's construction loan department to monitor the borrowers' draw requests, inspections, title, etc. related to commercial projects in the loan portfolio. Show less



Access National Bank

• United States
• Banking
• 1 - 100 Employee

• AVP, Commercial Credit Analyst, III

  • May 2015 - May 2017

  Reston, Virginia Perform credit analysis of commercial loan requests, including C&I, commercial real estate, asset based lending, GOVCON, SBA 504 and 7(a) packages for new credits, renewals and annual relationship reviews. Prepare detailed credit memorandum analysis supported with financial statement spreads, key financial ratios and business and personal cash flows of guarantors/owners. Mentored junior analysts and back-up support to internal appraisal department.



Middleburg Bank

• United States
• Banking
• 1 - 100 Employee

• AVP, Small Business Administration Credit Analyst

  • Aug 2012 - May 2015

  Leesburg, VA Perform analysis of small and mid-size commercial loan requests for real estate and C&I loans with emphasis on utilizing guaranteed lending programs of the Small Business Administration and the Virginia Small Business Financing Authority. Prepare and analyze financial spreads, ratios, business and personal cash flows and compile credit memorandums for relationship managers. Prepare monthly 1502 Colson Report. Work directly with commercial lending team to assist with loan structure and… Show more Perform analysis of small and mid-size commercial loan requests for real estate and C&I loans with emphasis on utilizing guaranteed lending programs of the Small Business Administration and the Virginia Small Business Financing Authority. Prepare and analyze financial spreads, ratios, business and personal cash flows and compile credit memorandums for relationship managers. Prepare monthly 1502 Colson Report. Work directly with commercial lending team to assist with loan structure and pre-screening. Member of Business & Consumer Banking project teams for identifying and implementing loan decisioning software for business & consumer lending business lines.

• AVP, Small Business Adminstration Specialist

  • Feb 2011 - Aug 2012

  Leesburg, VA Implemented federal and state guaranteed loan programs, while serving as internal coordinator for Small Business Administration and Virginia Small Business Financing Authority for the Bank. Developed action plans, policies, procedures, internal controls and provided sales training to client action teams. Loan screening and credit analysis of guaranteed loan requests.

• Senior Commercial Loan & Executive Assistant II - Lending

  • May 2005 - Feb 2011

  Middleburg, VA Worked directly with Chief Loan Officer and Executive Vice President of $1 billion community bank. Assisted with preparing loan packages, wrote credit memorandums and performed credit underwriting. Served as liaison between Executive and line managers. Underwrote employee loans, prepared loan committee packages and scribed minutes. Provided administrative support to Executive and assisted with coordination of board meetings and director committees. Performed loan closings, cross sold bank… Show more Worked directly with Chief Loan Officer and Executive Vice President of $1 billion community bank. Assisted with preparing loan packages, wrote credit memorandums and performed credit underwriting. Served as liaison between Executive and line managers. Underwrote employee loans, prepared loan committee packages and scribed minutes. Provided administrative support to Executive and assisted with coordination of board meetings and director committees. Performed loan closings, cross sold bank products and provided client service to bank clients. Worked on multiple special loan and credit projects as requested.

• Business Support Specialist

  • Aug 2001 - Nov 2005

  Middleburg Bank Worked with Chief Loan Officer and Credit team on various projects including loan platform documentation software upgrade and training, bank loan policy updates and credit procedures. Worked with outside consultants and senior managers during restructure of credit administration team; led a team to implement the organization’s Privacy and Information Security program; worked with the secondary market mortgage team to assist with transition of operations staff, refine processes and procedures… Show more Worked with Chief Loan Officer and Credit team on various projects including loan platform documentation software upgrade and training, bank loan policy updates and credit procedures. Worked with outside consultants and senior managers during restructure of credit administration team; led a team to implement the organization’s Privacy and Information Security program; worked with the secondary market mortgage team to assist with transition of operations staff, refine processes and procedures and assist with HMDA reporting. Worked with the bank’s management team and outside vendors to relocate the entire bank operations team to a new operations center.

• Internal Auditor

  • Mar 1998 - Aug 2001

  Middleburg, VA Develop and implement Internal Audit department for mid- size community bank under the Controller’s guidance. As Auditor, wrote audit plans and policy and prepared audit schedules; performed audits in all areas of operations, retail and loans; prepared audit worksheets and audit reports; reported findings to Directors Audit Committee on quarterly basis. Assisted with Federal and State examinations. Served on project team for Y2K and other operational initiatives.



Mediatech

• United States
• Biotechnology Research
• 1 - 100 Employee

• Client Service and Technical Support

  • Oct 1993 - Feb 1996

  Herndon, VA Provide client service support and technical assistance for a biological media solutions manufacturer to colleges, universities, hospitals and research laboratories in the U.S. and Europe.



Farmers and Merchants National Bank of Hamilton - Merger with F&M Bank of Winchester

• Operations Specialist

  • Jun 1988 - Oct 1993

  Hamilton, VA Provided support in various operations departments to include Deposit Operations, Image-Proof team and Data Processing within a mid size community bank. Client Service Representative opening new accounts and assisting with client needs.