Experience

United Trust Bank
• United States
• Financial Services
• 1 - 100 Employee
• Credit Analyst

  • Dec 2022 - Present

First Federal Bank
• United States
• Banking
• 1 - 100 Employee
• Mortgage Underwriter

  • Jul 2016 - Nov 2022


First Landmark Bank

• United States
• Banking
• 1 - 100 Employee

• AVP Credit Analyst

  • Feb 2015 - Jun 2016

  • Underwrite new loan requests and renewal loan requests for commercial real estate loans, commercial and industrial loans, Small Business Association loans and residential construction loans • Calculating borrowing bases and tracking covenants for $19 million in loan commitments secured by accounts receivable, inventory, commercial leases • Monitoring and updating loan portfolio files with financial information in consistent formats • Underwrite new loan requests and renewal loan requests for commercial real estate loans, commercial and industrial loans, Small Business Association loans and residential construction loans • Calculating borrowing bases and tracking covenants for $19 million in loan commitments secured by accounts receivable, inventory, commercial leases • Monitoring and updating loan portfolio files with financial information in consistent formats



Georgia Primary Bank

• United States
• Banking
• 1 - 100 Employee

• Senior Credit Analyst, Bank Officer

  • Jun 2014 - Jan 2015

  • Supported lending authorities during client relationship meetings to research and analyze the client’s financial information for credit approval • Completed macro economy analysis for quarterly reporting of allowance for loan and lease losses • Underwrote new commercial and construction loan requests and problem loan workout request for retail strip center ($5 million in requests) • Supported lending authorities during client relationship meetings to research and analyze the client’s financial information for credit approval • Completed macro economy analysis for quarterly reporting of allowance for loan and lease losses • Underwrote new commercial and construction loan requests and problem loan workout request for retail strip center ($5 million in requests)



Private Bank of Buckhead

• Credit Analyst

  • Jun 2009 - Jun 2014

  • Prepared financial spreads and underwriting $555 million in new loan requests and loan renewal requests o $88 million in owner occupied commercial real estate. Amounts range from $48,000 to $3,000,000 o $205 million in non-owner occupied commercial real estate. Amounts range from $62,000 to $3,000,000 o $89 million in commercial and industrial. Amounts range from $15,000 to $1,500,000 o $94 million in residential construction lines. Amounts range from $75,000 to $2,000,000 o $27 million in consumer loans. Amounts range from $39,0000 to $2,000,000 • Assisted lending personnel to grow the loan portfolio from $103 million to $162 million • Served as the sole credit analyst from June 2009 through June 2012 • Implemented an Excel spread sheet which was used to spread all loan financials for the bank • Developed a uniform underwriting and financial analysis method which has contributed to the bank remaining in good standing with examiners from the Federal Deposit Insurance Corporation • Contributed to the development of the bank loan policy • Adjusted underwriting standards to fit the needs of three different Senior Credit Authorities and the Board Loan Committee during tenure • Completed monthly reports which present the financials and performance of the bank to the Executive Bank Committee and the Board Loan Committee • Managed past dues for the entire $162 million bank portfolio including reporting status to the bank president • Developed a spread sheet to show financial performance of participant banks based on call reports • Trained new bank employees how to underwrite new and existing credits • Underwriting includes SBA loans Show less



FDIC/ Haven Trust Bank

• Credit Analyst

  • Sep 2007 - May 2009

  • Developed an Excel spread sheet used to measure repayment sources for companies, consumers, non-profit organizations, banks and Small Business Association loans. • Financial analysis measured in the spread sheet includes: o Debt Service Coverage o Debt to Income Ratio o Global Cash Flow o UCA Statement of Cash Flows o Amortization schedule o Ratio Analysis o Common sizing • Analyzed and reported information on financial statements for new and existing loans • Underwrote prospective loans for approval by bank executives • Attended meetings with potential clients and bank directors concerning negotiations and approvals of new loans • Assessed existing bank loan portfolio for loan to value exceptions, compiled data, and presented report to the bank's Loan Asset Quality Committee Show less



BB&T/Main Street Bank

• Loan Processor

  • Oct 2005 - Sep 2007

  Analyzed and prepared legal bank loan documents to formulate commercial and construction loan documents • Assisted in the continued growth of loan portfolio for the Roswell Georgia Region • Supervised and provided training to regional Business Services Assistants • Facilitated the successful transition between Main Street Bank and Branch Banking & Trust for existing clients throughout the merger in 2006 • Protected and secured bank interests in new and existing loans by clearing collateral exceptions • Participated in onsite prospecting of new lending clients • Educated customers on documents pertinent to the signing of their loans Show less



Main Street Bank/First Colony Bank

• Teller & Customer Service Representative

  • Jun 1999 - Jun 2005

  • Handled over one million dollars in daily deposits • Achieved 100 percent balanced ledger during the 2004 fiscal year • Supervised the Treasury Certificate of Deposit Program, opening more than fifty million dollars in CDs throughout 2004 • Managed collections on non-sufficient checks and delinquent loans • Handled over one million dollars in daily deposits • Achieved 100 percent balanced ledger during the 2004 fiscal year • Supervised the Treasury Certificate of Deposit Program, opening more than fifty million dollars in CDs throughout 2004 • Managed collections on non-sufficient checks and delinquent loans