Experience

NRUCFC (National Rural Utilities Cooperative Finance Corporation)

• United States
• Financial Services
• 200 - 300 Employee

• Senior Credit Risk Specialist

  • Aug 2022 - Present

• Credit Risk Specialist

  • Jan 2019 - Jul 2022



Access National Bank

• United States
• Banking
• 1 - 100 Employee

• Credit Analyst

  • Nov 2016 - Jan 2019

  Support the lending function of the bank through the evaluation of credit data and financial statements to determine credit risk and other facets of asset quality. Spread and analyze business, guarantor, and personal financial statements, tax returns, and credit reports to determine lending risks and prepare objective written summaries. Uses credit, cash flow, collateral and industry analysis to assign a risk rating to assigned loans. Generates financial ratios, using customized credit software, to evaluate customers' financial status and foresee future credit risks. Develops global cash flow projections that comprehensively address all sources and uses of cash available to service debt. Assesses risk of complete credit relationship including borrower, related entities, guarantors, and contingent liabilities. Show less



Colonial Farm Credit

• United States
• Financial Services
• 1 - 100 Employee

• Credit, Policy, and Loan Portfolio Analyst

  • Nov 2011 - Feb 2014

  Assisted in the management of the organization's loan portfolio. Identified and analyzed loan portfolio trends to recommend policies and procedures to mitigate risks and maximize institution profitability. Monitored industry trends in yields, investments, and concentrations; make recommendations to manage their impact on the loan portfolio. Aided in the organization’s response to regulatory audits. Conducted stress tests on the portfolio to identify risks under detrimental conditions and craft institutional response. Provided credit underwriting support for large, complex loans. Show less

• Loan Officer I - III

  • Oct 2004 - Oct 2011

  Managed and serviced a a small business loan portfolio. Generated and underwrote credit requests using financial statement and pro forma analysis, sensitivity analysis, and firm and industry level analyses. Reviewed application materials and researched applicants to prepare and submit analyses with decision recommendations. Negotiated requests as needed to mitigate risks and conform to internal policy and legal requirements while still facilitating customer needs. Used a 14 tier risk rating system to classify loans according to probability of default and exposure in the event of default. Trained junior loan officers as needed. Show less