Experience

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  Rondout Savings Bank

  • United States
  • Banking
  • 1 - 100 Employee

  • AVP, Commercial Credit Manager

    • Jul 2021 - Present

  • AVP, Senior Credit Analyst

    • Jan 2019 - Jul 2021

  • Business Banking Senior Credit Analyst (Officer)

    • May 2017 - Dec 2018

  • Business Banking Credit Analyst (Officer)

    • Mar 2010 - May 2017

    Analyzed financial information detailing assets, liabilities, capital and net worth, including the review of balance sheets, profit and loss statements, and other reports to summarize and interpret current financial position of corporate borrowers for department managers.Developed and implemented a commercial lending report database, to generate, weekly, monthly and quarterly pipeline, loan portfolio, financial information and loan officer origination reports.Lending authority for consumer and commercial loans.

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  Mid-Hudson Valley Federal Credit Union

  • Business Lending Analyst

    • Apr 2008 - Mar 2009

    Analyzed tax returns and financial statements detailing assets, liabilities, capital and net worth, including the review of balance sheets, profit and loss statements, debt service ratios and industry comparisons to summarize and interpret current financial position of corporate borrowers for senior management.Developed and managed department workgroup page on credit union's intranet website - including establishing links to commonly used websites, updating departmental progress and goals, creating links to documents and procedure forms, in order to streamline the application process and review of new loan requests.Reviewed loan packages for completeness of documentation and compliance with credit union policy and NCUA regulatory requirements.Designed and implemented a new loan presentation format to be utilized for annual reviewsTracked annual financial information received by the business lending department, including development of mass mailing of financial statement notices to commercial loan borrowers and an automated notice on the credit union core systemPerformed property inspections on mortgaged properties, including site visits, taking photos of properties and reports on structural conditionsOrdered and reviewed credit reports, appraisals and environmental reportsImplemented coding system utilizing industry codes to track commercial loan portfolio

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  Rhinebeck Bank

  • United States
  • Banking
  • 100 - 200 Employee

  • Credit Administration Manager

    • Feb 2006 - Apr 2008

    Individually evaluated 67 loan requests with over $66MM in volume for 2007Analyzed tax returns & financial statements for commercial loan requests ranging up to $8,000,000- including debt service calculations, financial ratio and trend analysis, review of credit reports and compliance with loan policy guidelinesReviewed commercial loans for guarantee consideration under the Small Business Administration's (SBA) 7 (a), 504 and Loan Express programsMaintained comprehensive knowledge of loan programs, policies, procedures and lending guidelines.Lending authority for commercial loansManaged credit administration department - including supervision of two credit analysts and a senior commercial loan administrator and preparation and administration of annual performance reviewsMentored and coached employees, including conducting training sessions and quarterly one-on-one meetings to review employee progress and department goalsSupervised department processing of over 467 loan requests with $150MM in volume for 2007, exceeding planned loan goalsPreparation of financial reports and loan presentations for senior management & Board of DirectorsWas a direct liaison for the department to Loan Operations, Quality and Risk.Responsible for preparation of all loan committee meetings, including scheduling the board room, distribution of loan presentations to be reviewed and preparation of committee agenda.Improved department efficiency and reduced copying costs by implementing a procedure to electronically distribute via secure e-mail loan presentations to senior management and the Board of Directors

  • Commercial Credit Analyst

    • Aug 2002 - Feb 2006

    Analyzed financial information detailing assets, liabilities, capital and net worth, including the review of balance sheets, profit and loss statements, and other reports to summarize and interpret current financial position of corporate borrowers for department managers.Developed mass mailing of financial statement notices to commercial loan borrowers, including preparation of queries, spreadsheets and mail merge of notices to be generatedManagement of loan portfolios involving annual reviews, documentation, financial updates and quality controlDeveloped and implemented a commercial lending report database, to generate, weekly, monthly and quarterly pipeline, loan portfolio, financial information and loan officer origination reports.

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  Sawyer Savings Bank

  • Assistant Commercial Loan Officer

    • Mar 1997 - Jul 2002

    Analyzed tax returns & financial statements for commercial loan requests, including debt service calculations, financial ratio and trend analysis, review of credit reports and compliance with loan policy guidelinesDeveloped new commercial loan relationships by interviewing loan applicants, structuring loan terms and closing loansLending authority for commercial and consumer loansActed as liaison between commercial lenders and borrowersNew product development - established and implemented new overdraft protection loan programConducted loan closings - prepared commitment letters and loan documents, scheduled appointments with borrowers, calculated/collected loan fees and disbursed loan proceeds

• 

  First National Bank of the

  • Commercial Loan Administrator

    • Mar 1991 - Dec 1996

    Conducted loan closings - prepared commitment letters and loan documents, scheduled appointments with borrowers, calculated/collected loan fees and disbursed loan proceedsConducted training sessions for commercial loan assistantsActed as liaison between commercial lenders and borrowersWrote procedure manual to help establish consistent methods for commercial loan administrationHandled customer inquiries regarding new and existing accounts - including payment applications, rate and interest calculations