Experience

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  Cornerstone Bank

  • Wilson NC, 27896

  • Credit Analyst

    • Jun 2005 - Present
    • Wilson NC, 27896

    • Assess credit worthiness and quality of businesses and individuals including such factors as business and global cash flow, debt coverage, income growth, industry risk, collateral appraisal, etc. to evaluate commercial and consumer loan requests in order to assist customers in securing capital• Review credits annually to reassess businesses based on current trends and risks• Analyze, summarize and present loan requests to loan committee for decisions• Coordinate efforts with loan officers to maintain and grow client relationships as well as ensure timely identification and relationship servicing of deteriorating credits• Maintain loan and credit data

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  Heather’s Housekeeping--Entrepreneurial Housekeeping Service

  • Marietta, Georgia

  • Sole Proprietor

    • Nov 1997 - Sep 2004
    • Marietta, Georgia

    • Establish and maintain a solvent company within one year by implementing sound business plan, supplying excellent client service and maintaining sound business practices. Average net income growth of 35% annually for 6 years• Develop business network to address capacity concerns and distribute employees efficiently over large northwest Atlanta sales area• Cultivate and maintain client base to ensure the completion of company goals; Develop and distribute promotional materials to realize company growth• Comply with local requirements, plan proper legal structure, obtain necessary insurance, and secure capital to establish new business

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  Pro Brand International, Inc

  • Marietta, Georgia

  • Executive Account Officer

    • Dec 1996 - Nov 1998
    • Marietta, Georgia

    • Cultivate and maintain sales accounts by developing customer relations and product awareness. Customers included primary international satellite companies• Prepare for and represent Pro Brand International at major trade shows including Satellite Broadcasting and Communications Association (SBCA), Las Vegas; SBCA, Nashville; Consumer Electronics Show, Las Vegas.• Manage drop-shipments of products from China to satisfy customer requirements while satisfying OEM customer requests. Act as liaison between Chinese manufacturers and customers• Implement and maintain an ISO 9002 standard company by writing the Quality Manual and company wide procedures to promote quality products and services. Realized smoother internal operations and greater company moral as a direct result of company-wide improvements• Facilitate inter-office communication and sales by designing and programming web pages for both Intranet and Internet• Develop promotional recordings, design OEM and private labeling and packaging. • Complete special projects as assigned by executive management to ensure the completion of company goals

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  Etowah Bank

  • Roswell, Georgia

  • SBA Loan Processor

    • Mar 1995 - Dec 1996
    • Roswell, Georgia

    • Open SBA Loan Department with Vice President; develop paperwork procedures, work flow, distribution of authority and filing system for new department; instrumental in moving office from a satellite position to operation within a District Branch within 18 months• Attract potential loan applicants through personal contact with existing bank customers and other potential clients• Interview loan candidates to make a preliminary determination of loan eligibility while explaining SBA procedures and application process to customers• Gather information and supporting documents necessary for objective consideration of SBA loans• Prepare, organize, analyze, and present loan documents to support a recommendation for loan approval • Prepare closing documents for SBA Loans• Prepare bank-wide month-end reports, including Loan Loss Reserve and Watch List• Prepare month-end reports as required by the Fiscal and Transfer Agent and the U.S. Small Business Administration