Experience

Peach State Bank & Trust

• United States
• Banking
• 1 - 100 Employee

• Private Banking AVP - Lender

  • Jul 2023 - Present

  Gainesville, Georgia, United States

• Private Banking Officer - Lender

  • Mar 2019 - Present

  Gainesville, Georgia, United States - Obtaining and assessing financial information, including financial statements and credit histories - Collaborating with other institutions in setting up loan packages for extensive loans - Performing due diligence on the lending process from application to closing documentation - Liaising between borrower and underwriting departments - Negotiating payment arrangements and preparing delinquent loan reports - Supervising loan administrators - Documenting procedures and… Show more - Obtaining and assessing financial information, including financial statements and credit histories - Collaborating with other institutions in setting up loan packages for extensive loans - Performing due diligence on the lending process from application to closing documentation - Liaising between borrower and underwriting departments - Negotiating payment arrangements and preparing delinquent loan reports - Supervising loan administrators - Documenting procedures and maintaining hardcopy and electronic records of loan agreements - Keeping abreast of amendments to loan policies, lending procedures, and regulations - Maintaining excellent organizational, interpersonal, communication, and other teamwork skills - Ability to handle confidential information with discretion while maintaining strong work ethic - Trained and aided Jr. Credit Analyst

• Credit Analyst

  • Mar 2016 - Mar 2019

  Gainesville, GA - Conduct through analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence - Provide recommendations tied to analysis and assessment of credit risk - Present analysis, findings, and recommendations to managers, especially findings that involve a borrower's ability to repay - Keep up to date with the company's lending protocols - Providing strong attention to detail and follow through with… Show more - Conduct through analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence - Provide recommendations tied to analysis and assessment of credit risk - Present analysis, findings, and recommendations to managers, especially findings that involve a borrower's ability to repay - Keep up to date with the company's lending protocols - Providing strong attention to detail and follow through with credit analysis - Reconcile credit files and identify discrepancies and variances - Develop and prepare spreadsheets and models to support analysis of new and existing credit applications - Handled credit department's weekly, monthly, and quarterly reports

• Administrative Assistant

  • May 2014 - Mar 2016

  Gainesville, Georgia - Scheduled speakers for public presentations and helped coordinate special events such as community information programs - Order all appraisals and preform the compliance/ regulatory review of the consumer and commercial appraisals - Review files for completeness prior to submitting the loan to Loan Operations Department - Assist the loan officers in working and clearing outstanding loan exceptions - Aid in managing the maturing loan list - At the direction of the loan… Show more - Scheduled speakers for public presentations and helped coordinate special events such as community information programs - Order all appraisals and preform the compliance/ regulatory review of the consumer and commercial appraisals - Review files for completeness prior to submitting the loan to Loan Operations Department - Assist the loan officers in working and clearing outstanding loan exceptions - Aid in managing the maturing loan list - At the direction of the loan officers, met with customers to facilitate renewal of some loans - Cover telephone calls and handle customer inquiries as necessary and keeping loan officers informed of actions taken or needed - Set appointments for loan officers as needed - Helped establish positive working relationships with managers by establishing and meeting deadlines, scheduling, attending or leading necessary meetings for executive management - Build and maintain positive relations with all customers, potential customers, and coworkers - Strong writing skills across all media - Strong proofreading skills for management and media - Comply with all department and company policies, procedures and regulations - Complete other duties as assigned



Melissa Pepin Photography

• Second Shooter / Assistant Photographer

  • Apr 2012 - Dec 2016

  Athens, Georgia - Anticipated the needs of the lead photographer consistently, including but not limited to, fixing hair, dresses, and preparing people for group shots - Ensured all necessary equipment was packed and in proper working condition - Communicated with the lead photographer on what needs to be photographer and ensuring photographs are unique and different thank the lead photographer - Prepared a documented timeline and carried a copy of it to ensure that deadlines and timelines were met… Show more - Anticipated the needs of the lead photographer consistently, including but not limited to, fixing hair, dresses, and preparing people for group shots - Ensured all necessary equipment was packed and in proper working condition - Communicated with the lead photographer on what needs to be photographer and ensuring photographs are unique and different thank the lead photographer - Prepared a documented timeline and carried a copy of it to ensure that deadlines and timelines were met for the client - Ability to take initiative, work independently, multi- task, and prioritize with little or no supervision - Demonstrated strategic and creative / marketing planning skills - Knowledge of advertising online and promotions through multiple social media platforms - Expert relations in media skills and knowledge of various style guidelines to include MLA and AP style - Various knowledge of design principles and creative concepts - Coordinating with graphic designers to ensure effective design of different publications for clients - ability to effectively manage projects and requests within assigned deadlines including coordinating production of advertising and support materials such as print ads, direct mails, and brochures. Updates service line web content as needed - Worked with different professional photographers and vendors as needed to enhance appeal of wedding photographs and products - Prepared various copies of publications and materials for deadlines in relation to wedding products - Utilized Adore Photoshop, Lightroom, and Illustrator to edit photographs and publications Show less