Experience

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  Xenith Bank

  • Suffolk, VA

  • Credit Analyst/Officer

    • Jan 2007 - Feb 2015
    • Suffolk, VA

    Analyze and spread financial statements of current and prospective loans to determine borrower’s cash flow and liquidity position.Partner with relationship managers and credit officers to assess credit opportunities and identifying key risk components.Analyze, evaluate and underwrite proposed credit facilities to prospective customers and existing clients.Participate in “up-front” discussions to determine acceptability of proposed transactions.Perform commercial real estate appraisal reviews for the entire organization.Evaluated commercial and residential real estate properties to determine current real estate value in lieu of a formal appraisal.

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  Self-Employed

  • Suffolk, VA

  • Financial Consultant

    • Jan 2004 - Dec 2006
    • Suffolk, VA

    Conducted individualized cash flow analysis.Developed budgets based on cash flow analysis.

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  Bureau of Financial Institutions-VA State Corporation Commission

  • Richmond, VA

  • Principal Examiner

    • Jan 1990 - Jul 1998
    • Richmond, VA

    Examined and analyzed financial institutions’ accounting systems, operations and loan management functions to include institutions up to fourteen billion dollars in assets.Trained and led diverse teams in doing systematic analysis of financial institutions’ operations and asset quality management. Verified institution’s compliance for state and federal regulations and reported lack of compliance to senior management.Examined bank-owned trust departments and independent trust companies for compliance with federal and state laws and recommended best management practices. Reviewed management’s investment procedures and returns relative to the trust.