SBA Loan Underwriter

• Jan 2022 - Present

Credit Underwriter

• Jan 2021 - Feb 2022

Owner

• Feb 2015 - Dec 2021

• Provides tax preparation, filing and research services to individuals, families, and small businesses. • Electronic Return Originator (ERO) with the Internal Revenue Service for electronically filing tax returns. • Completed Annual Filing Season Program (AFSP) requirements with the Internal Revenue Service - 2015-2020. • Provides tax preparation, filing and research services to individuals, families, and small businesses. • Electronic Return Originator (ERO) with the Internal Revenue Service for electronically filing tax returns. • Completed Annual Filing Season Program (AFSP) requirements with the Internal Revenue Service - 2015-2020.

Commercial Credit Analyst

• Jul 2019 - Jan 2021

• Works closely with the leadership to ensure understanding of loan policy, procedure, credit risk rating system, and compliance with appropriate regulations. Makes recommendations for changes to risk rating system as needed.• Works directly with Commercial Lenders, Mortgage Lenders and underwriters to conduct credit analysis for new and existing commercial and mortgage customer relationships. Helps prepare credit presentations and annual reviews to be utilized. Participates in preparation of presentations.• Assists with completion of annual reviews on certain relationships specified in the lending policy including a complete analysis of annual financial statements, collateral evaluation, payment history, risk rating review and any adverse industry or economic changes. Show less

Commercial Loan Underwriter

• May 2017 - Jul 2019

• Performs commercial underwriting analysis to determine the borrower’s ability to repay debt.• Reviews loan documentation to ensure accuracy, completeness and compliance; reviews financial statements, credit reports, financial statements, application ratios (e.g. debt ratio, loan to value), and all supporting documentation to verify it meets the Bank’s and investors guidelines and policies and federal and state regulatory requirements. • Orders and reviews necessary documentation, such as title work, floods, appraisals and other documents. • Reviews loan request and information to ensure all regulatory and investor standards have been met and are properly documented in the file. • Prepares loan closing documents.• Monitors and completes annual reviews and ongoing monitoring of construction loans in a timely manner. Show less

Treatment System Servicing Coordinator Group Leader

• Jul 2011 - Jan 2015

• Performed all responsibilities and functions as a TSSC.• Managed and coordinated TSSC personnel activities, provided technical guidance, training and supervision of TSSCs, managed performance plans/appraisals and vacation schedules.• Demonstrated strength in building and maintaining relationships throughout the organization, motivating staff and colleagues, and driving the TSSC team to “strive, stretch, and reach.”• Created, documented, and implemented protocols for customer requests and shift coverage for use in daily business for the TSSC group. • Developed, released, and qualified the Treatment System Servicing Coordinator Qualification (2012).• Developed and managed a performance management plan for two professional staff, including 3 years of annual evaluations performed for both staff members.• Appointed two-year term (2013-2015) with the IU Bloomington Professional Council, serving on the Outreach and Advocacy Committee within the Council the first year, and appointed Secretary of the Executive Committee for the Council during the second year. Show less

Treatment System Servicing Coordinator

• Feb 2008 - Jul 2011

• Accountable and responsible for all clinic repair requests (by providing onsite coverage during the clinics normal operating schedule of approximately 16 hours/weekday, maintenance during evenings and weekends, and emergency repairs) that includes: identifying/clarifying the problem, initiating root cause analysis, and authorizing proper course of action including resource allocation, overseeing the action, and ensuring the action is completed in a timely manner.• Acted as liaison between radiation therapists, medical physicists, doctors, clinic staff, IUCO operators, technicians, and engineers as needed regarding all servicing activities. • Assumed full responsibility for verifying that the Treatment Systems conformed to requirements before returning them to service in accordance with IUCO policies and procedures.• Developed and maintained a broad knowledge base of the Treatment Systems to enable efficient diagnosis of Treatment System failures and to assist in the coordination of all maintenance activities in the Treatment Systems.• Strong empathetic and listening skills, along with negotiating abilities facilitated understanding of all facets in any issue at hand and the decision-making process, resulting in more efficient and effective diagnosis and repair of Treatment System failures.• Developed and implemented a system for planning, organizing, and executing all servicing activities in the Clinic and for all three Treatment Rooms.• Developed and released various documents for use by Operations staff that served as guidelines and best practices for daily operation.• Took initiative to create and maintain a reference binder of maintenance and testing activities to assist in more efficient diagnosis of issues/failures in the Treatment Systems and to create consistency/repeatability across repair actions.• Executed written test procedures, debugged test procedures and drafted test procedures as necessary to support maintenance and repair activities. Show less

Cyclotron Operator

• Aug 2005 - Feb 2008

• Primarily responsible for tune up of cyclotrons and maintaining ion beam on target as specified by outside users and clinical requirements. • Working knowledge of treatment room control systems, hardware, software and diagnostic equipment in place at IU Health Proton Therapy Center.• Familiar with all aspects of treatment room setups and treatment room operation.

Marine Machinery Mechanic

• May 2003 - Oct 2004

• Assisted journeymen in the work of the Hydraulic Shop 31 at Bangor Submarine Base and of the Nuclear Refueling Equipment Team in Shop 38 at Puget Sound Naval Shipyard. • Qualified nuclear contamination/radiation worker, full-body/glove-bag/drape/catch controlled surface contamination area (CSCA) work, and Quality Assurance Craftsman. • Assisted journeymen in the work of the Hydraulic Shop 31 at Bangor Submarine Base and of the Nuclear Refueling Equipment Team in Shop 38 at Puget Sound Naval Shipyard. • Qualified nuclear contamination/radiation worker, full-body/glove-bag/drape/catch controlled surface contamination area (CSCA) work, and Quality Assurance Craftsman.

Barista

• Feb 2003 - May 2003

• Successfully discovered customer needs and appropriately suggested product with every customer to enhance service and meet sales goals. • Prepared Starbucks beverages to standards while following health, safety and sanitation guidelines for all products. • Responsible for self-initiated learning while incorporating and demonstrating the creation of the Starbucks experience. • Learned and demonstrated all performance standards listed in the Core Learning Journal Guides. • Successfully discovered customer needs and appropriately suggested product with every customer to enhance service and meet sales goals. • Prepared Starbucks beverages to standards while following health, safety and sanitation guidelines for all products. • Responsible for self-initiated learning while incorporating and demonstrating the creation of the Starbucks experience. • Learned and demonstrated all performance standards listed in the Core Learning Journal Guides.

Nuclear Machinist's Mate

• Jun 1996 - Jun 2002

June 1996 - January 1998 had me at RTC (boot camp) in Great Lakes, IL, then Orlando, FL for "A" School and Nuke Power School, and finally in Saratoga Springs, NY for Prototype (MARF). February 1998 - June 2002 had me stationed in Bremerton, WA onboard the USS Carl Vinson CVN-70 where some basic duties included: • Serving as Plant Operations Supervisor (Chief Machinery Operator), directly managing over ten plant operators. • Nuclear experience in both preventative and corrective maintenance practices and procedures for a wide variety of equipment. • Experience conducting multiple Quality Assurance procedures and inspections to ensure that technical specifications were met at all times. Show less