Experience

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  Industrial Bank

  • Credit Manager, VP

    • Jan 2008 - Oct 2013

    Supervise the training and pipeline of the credit analysts within the Commercial Banking Division. Provide feedback on actual analysis and narratives presented for approval by both the credit analysts and the relationship managers. This feedback includes both grammatical corrections and recommendations for terms/structures to limit credit risk. In addition to supervisory duties, perform comprehensive analysis of various types of financial statements (i.e. CPA prepared, internally prepared, personal financial statements, and tax returns) to determine the financial condition/debt capacity of prospective and existing borrowers/guarantors. Involved in making debt restructure recommendations along with risk rating changes for problems assets.Conduct other due diligence tasks via research through public records to evaluate the character of prospective and existing borrowers/guarantors.Engage and analyze supplementary documents such as appraisals, field audits, accounts receivable aging reports and inventory reports to estimate the value of the Bank's collateral position (i.e. real estate, business assets, marketable securities, etc.).

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  City First Bank

  • Senior Underwriting Specialist, VP

    • Nov 2007 - Mar 2010

    Supported other Bank staff in conducting financial analysis and providing loan decisions and credit recommendations based on a review of all underwriting criteria including collateral, interest rate, loan structure, and fees. In conjunction with the Relationship Manager, responsible for all facets of effectively underwriting and presenting a variety of highly complex loan transactions including but not limited to construction, acquisition, and bridge loans on real estate properties, as well as credit facilities to religious organizations, charter schools, and non-profit organizations in the DC/Metro Area. Other duties included spreading and analyzing a customer's financial information, assessing the collateral, conducting industry comparisons, assessing the risk rating, and preparing the business, personal and global debt service coverage calculations. Assisted in the training and coaching of any other Credit Administration staff members and provide consultation support to Relationship Managers, as needed, for underwriting and structuring credit deals.Provided additional support as directed by the Credit Administration Manager and Chief Lending Officer.

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  SunTrust Bank

  • Portfolio Specialist, VP

    • Nov 2002 - Nov 2007

    Conducted comprehensive analysis of financial information (i.e. balance sheet, income statement, cash flow statement) for various types of non-profit entities to determine debt capacity for taxable and tax-exempt bond financing. Also performed financial analysis for various commercial entities (i.e. retail, real estate investors, professional firms, etc.) in the Washington DC Area. Utilized the financial data, background of the organization, and vital industry statistics to create a formal narrative that is presented to Credit Committee to facilitate the decision making process. Provided assistance in the management of a $100 million credit portfolio, which included overseeing the monthly/annual monitoring of covenant requirements performed by junior analyst, the generation of loan documentation, approval of wire transfers up to $5 million, approval of overdraft exposure up to $200,000, and the resolution of various administrative issues. Worked with the Bank's outside counsel to facilitate the documentation of complex credit facilities in excess of $5 million in exposure. Assisted in the Bank's prospecting efforts by developing strategic review modules that were presented to prospective clients as part of the introduction of the Bank to the client and the organization's financing capabilities.Consulted with the Bank's internal real estate experts to insure compliance of FIRREA and USPAP guidelines as it relates to real estate valuation (i.e. appraisals, evaluations, and validations), as well as guidelines for environmental assessments.

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  Riggs Bank

  • Credit Analyst, III

    • Oct 2000 - Oct 2002

    Worked within the private banking division that offered alternative financing services to high net worth individuals that were both domestic and international. Performed comprehensive analysis of accountant prepared personal financial statements, as well as personal tax returns to determine an individual's true source of recurring income to determine debt service ability. Utilized the acquired data to create comprehensive narrative, which was presented to Credit Committee. Also conducted financial analysis of various professional entities (i.e. law firms and medical practices) for the approval of working capital facilities, capital contribution loans, and equipment financing.

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  Merchants & Southern Bank

  • Credit Analyst

    • Oct 1999 - Oct 2000

    Performed financial analysis of speculative and custom homebuilders to facilitate the approval of construction line of credit facilities. Provided credit support to the local branches for consumer credit exposure above $25,000. Produced the construction/development status and exposure report for the monthly Board of Directors meeting. Conducted financial analysis and various projection scenarios for start-up organizations in the Gainesville Area to facilitate the accurate completion of SBA 504 applications. Assisted mortgage underwriters in the review of a consumer's overall financial condition for mortgage loans above $200,000 in exposure.

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  NationsBank / Bank of America

  • Loan Specialist

    • Oct 1997 - Oct 1999

    Successfully completed formal Commercial Credit Training program.