Experience

Valliance Bank

• United States
• Banking
• 1 - 100 Employee

• VP Senior Credit Analyst

  • Nov 2021 - Present



CCB Community Bank

• United States
• Banking
• 1 - 100 Employee

• Credit Analyst

  • Feb 2017 - Sep 2022



First Fidelity Bank

• United States
• Banking
• 200 - 300 Employee

• Appraisal Review Risk Analyst

  • Mar 2006 - Sep 2022

  Analyze potential commercial borrowers through financial, market and industry analysis, monitor asset based credit lines, monitor residential development loans, residential construction progress as well as analyze the quality of consumer portfolio on a quarterly basis. Order all commercial and residential appraisals for commercial lending team. The review process includes analyzing the quality of comparable properties, market analysis, trend analysis and financial data of income producing properties to determine underwriting values. Show less

• Risk Analyst - Credit Dept

  • Mar 2006 - Sep 2022

• Commercial Credit Analyst

  • Mar 2006 - Sep 2022

  Analyzes all data to provide accurate information and sound judgment regarding borrower's total relationship. Prepares formal loan proposal memorandums, risk rating matrices, loan pricing and profitability models, which summarize existing and potential borrowers total relationship and complete financial overview, which includes ratio and trend analysis. Recognizes and notes loan policy exceptions, loan covenant violations and lack of financial information. Provides accurate spreading of business and personal financial statements as well as tax returns to recognize both business and personal cash flow. Monitors and analyzes account receivable listings, inventory and accounts payable for verification of availability of funds for borrowing base clients. Monitors and reports progress of lot sales within land development loans as well as measures the possible effect on the value of the property based on a discounted cash flow analysis.Monitors and reports progress of speculative and custom residential construction loans. Prepares a summary analysis of consumer loans on a quarterly basis. Show less



The First State Bank

• AVP, Senior Credit Analyst

  • Jul 2015 - Jul 2015

• AVP, Senior Credit Analyst

  • Jul 2015 - Jul 2015



Legacy Bank

• United States
• Financial Services
• 1 - 100 Employee

• Teller - Commercial Credit Analyst

  • Aug 2004 - Feb 2006

  Performed general teller duties, while completing BA in Finance. Began training for duties as a Commercial Credit Analyst prior to graduation, spreading financial statements, calculated borrowing bases, assisted in loan documentation via Laser Pro Documentation Software, assisted loan officers in preparation of commercial loan proposals memos. Performed general teller duties, while completing BA in Finance. Began training for duties as a Commercial Credit Analyst prior to graduation, spreading financial statements, calculated borrowing bases, assisted in loan documentation via Laser Pro Documentation Software, assisted loan officers in preparation of commercial loan proposals memos.



Supercuts, Inc

• Hairstylist, Manager

  • May 1996 - Jul 2004

  Management: Maximized production in a safe responsible manner by motivating staff in a creative and fun environment. Maintained a safe and healthy environment. Responsible for hiring new employees and maintaining weekly schedules. Met all licensing requirements. Management: Maximized production in a safe responsible manner by motivating staff in a creative and fun environment. Maintained a safe and healthy environment. Responsible for hiring new employees and maintaining weekly schedules. Met all licensing requirements.