Experience

Texas National Bank

• United States
• Banking
• 1 - 100 Employee

• Loan Review and Audit

  • Aug 2016 - Present

  As a Loan Reviewer and Auditor at Texas National Bank, I am responsible for ensuring the accuracy, integrity, and compliance of loan processes. My key responsibilities include: - Conducting thorough reviews of loan files, assessing loan documentation for accuracy and completeness. - Analyzing loan portfolios and assessing creditworthiness to determine associated risks. - Ensuring compliance with internal policies, industry regulations, and legal requirements throughout the loan process. - Performing internal audits to evaluate loan operations, processes, and controls. - Preparing detailed reports summarizing audit findings, loan review results, and recommendations for improvement. - Detecting and investigating suspicious loan activities or signs of fraud. - Identifying opportunities to enhance loan processes, streamline operations, and improve efficiency. - Collaborating with loan officers, underwriters, compliance officers, and stakeholders to address loan-related concerns and provide guidance on loan policies and procedures. By meticulously reviewing loan files, conducting audits, and ensuring compliance, I contribute to maintaining the bank's high standards of loan quality, risk mitigation, and regulatory adherence. Show less



Bank SNB

• Banking
• 1 - 100 Employee

• Credit Analyst

  • Mar 2015 - May 2016

  As a Credit Analyst at Bank SNB, I was responsible for conducting in-depth financial analysis and risk assessment to evaluate the creditworthiness of borrowers. My key responsibilities included: - Analyzing financial statements, cash flow projections, and credit reports to assess the financial health of potential borrowers. - Evaluating loan applications and supporting documents to determine the credit risk associated with each loan request. - Assessing the repayment capacity of borrowers by analyzing income sources, debt levels, and payment histories. - Conducting industry and market research to understand the risks and opportunities specific to various sectors. - Preparing comprehensive credit reports and presenting findings to senior management for informed decision-making. - Collaborating with loan officers and underwriters to structure appropriate loan terms and conditions based on risk assessment. - Monitoring existing loan portfolios, performing regular credit reviews, and identifying potential issues or early warning signals. - Providing recommendations for credit risk mitigation and suggesting risk management strategies. - Ensuring compliance with internal policies, industry regulations, and credit underwriting guidelines. - Building and maintaining strong relationships with clients and internal stakeholders, effectively communicating credit decisions and providing exceptional customer service. In my role as a Credit Analyst, I played a vital role in managing credit risk, facilitating sound lending decisions, and contributing to the overall success of the bank's loan portfolio. Show less

• Credit Analyst

  • Nov 2009 - Mar 2015


VeraBank

• United States
• Financial Services
• 100 - 200 Employee

• New Account Representative

  • Feb 2007 - Nov 2009

  As a New Account Representative at Vera Bank, I was responsible for assisting customers in opening new accounts, providing information about banking products and services, and ensuring a smooth onboarding process. As a New Account Representative at Vera Bank, I was responsible for assisting customers in opening new accounts, providing information about banking products and services, and ensuring a smooth onboarding process.