Experience

Evergreen Credit Union

• United States
• Financial Services
• 1 - 100 Employee

• Assistant Vice President of Commercial Lending

  • Aug 2020 - Present

  Westbrook, Maine, United States

• Commercial Credit Analyst/Associate Lender

  • Apr 2020 - Aug 2020

  Westbrook, Maine, United States Provided commercial credit analysis, lending support, organizational credit risk mitigation and customer relationship management at Evergreen Credit Union. • Assisted commercial lenders by completing extensive commercial credit analysis on loan requests from existing and prospective borrowers to assess financial risk, establish customer credit worthiness, and maintain client communication throughout loan request process. • Worked directly with a high volume of commercial borrowers in a… Show more Provided commercial credit analysis, lending support, organizational credit risk mitigation and customer relationship management at Evergreen Credit Union. • Assisted commercial lenders by completing extensive commercial credit analysis on loan requests from existing and prospective borrowers to assess financial risk, establish customer credit worthiness, and maintain client communication throughout loan request process. • Worked directly with a high volume of commercial borrowers in a variety of industries with financing projects under $100,000; from providing guidelines on credit application requirements, delivering initial financial assessment and ensuring appropriate credit issuance. • Responsible for the management, analysis and credit funding of over $12 million in Paycheck Protection Program loans during the COVID-19 crisis. • Helped establish new processes and loan documentation guidelines to reduce organization’s credit risk and adhere to the government’s loan repayment forgiveness requirements for Payment Protection Program loans in a rapidly changing environment.



Hannaford Supermarkets

• United States
• Retail
• 700 & Above Employee

• Category Administrator

  • Apr 2019 - Apr 2020

  Scarborough, Maine, United States Critical member of the category team at Hannaford Supermarkets responsible for internal product research, vendor issue resolution, and product sales analysis for healthcare and medicine products. • Worked daily with a variety of vendors from different industries to resolve product management issues in addition to ensuring appropriate item configuration and billing. • Supported category manager and analysts by executing daily operational tasks including providing category data to help… Show more Critical member of the category team at Hannaford Supermarkets responsible for internal product research, vendor issue resolution, and product sales analysis for healthcare and medicine products. • Worked daily with a variety of vendors from different industries to resolve product management issues in addition to ensuring appropriate item configuration and billing. • Supported category manager and analysts by executing daily operational tasks including providing category data to help support product decisions to maximize sales and product movement. • Collaborated with marketing and merchandising teams on internal product analysis projects and product promotions. • Helped perform market research to implement a new third-party vendor for trial and travel products in order to increase category sales volume and increase available warehouse space, reducing supply chain cost. • Assisted the team in consistently outperforming sales projections and revenue targets on a weekly basis. Show less



South State Bank

• United States
• Banking

• Commercial Credit Analyst

  • Jun 2018 - Mar 2019

  Charlotte, North Carolina Area Member of an 8-person credit analyst team responsible for providing financial analysis for all commercial clients of the bank with a total credit exposure of over $1.5 million. • Evaluated tax returns, financial statements, and credit bureau reports to provide lenders and portfolio managers with an accurate cash flow analysis and recommendation on credit decisions. • Tested borrower level and note level financial covenants to ensure loans were in compliance with their respective loan… Show more Member of an 8-person credit analyst team responsible for providing financial analysis for all commercial clients of the bank with a total credit exposure of over $1.5 million. • Evaluated tax returns, financial statements, and credit bureau reports to provide lenders and portfolio managers with an accurate cash flow analysis and recommendation on credit decisions. • Tested borrower level and note level financial covenants to ensure loans were in compliance with their respective loan agreements and reduce bank’s credit risk. • Utilized Moody’s Analytics software to provide lenders and loan administrators detailed breakdown on balance sheets, income statements, and financial ratios specific to the borrower. • Successfully eliminated significant backlog with the internal covenant tracking system by scrubbing loans that had been booked in the previous year and updating the tracking system accordingly, resulting in increased efficiency for credit analysis team. • Identified a critical issue with negative covenants within bank produced loan documents and worked with senior credit administrators to remove covenant from future loan documents, reducing the bank’s potential financial liability. Show less



Park Sterling Bank

• Banking
• 1 - 100 Employee

• Commercial Real Estate Loan Officer Assistant

  • Sep 2016 - Jun 2018

  Charlotte, North Carolina Area Member of a commercial lending team responsible for a $250 million portfolio in the Charlotte, NC commercial real estate market. • Worked directly with lenders and clients daily to provide necessary client and financial support to process new loans and service existing outstanding loans, reducing department backlog and increasing commercial revenue. • Coordinated with lenders and portfolio managers to ensure necessary financial information was organized and documented during the credit… Show more Member of a commercial lending team responsible for a $250 million portfolio in the Charlotte, NC commercial real estate market. • Worked directly with lenders and clients daily to provide necessary client and financial support to process new loans and service existing outstanding loans, reducing department backlog and increasing commercial revenue. • Coordinated with lenders and portfolio managers to ensure necessary financial information was organized and documented during the credit approval process and throughout the life of the loan • Collaborated with our loan operations group and closing attorneys to review loan documentation for accuracy and resolve any post-closing documentation exceptions. • Improved department efficiency with regards to construction draw requests and new loan funding by utilizing new software capabilities within the bank system. Show less



The Park Bank

• Banking
• 1 - 100 Employee

• Commercial Loan Processor

  • Jan 2015 - Jul 2016

  Madison, Wisconsin Area Responsible for generating loan documentation, creating files, and tracking relevant loan information in the commercial lending department. • Booked and serviced millions of dollars in loans on a daily basis. • Worked with lenders, credit analysts, title companies, and attorneys to ensure all financial and legal documentation was captured to originate and document the loan. • Produced any necessary documentation for the loan to close and for the bank to be aptly positioned with respect… Show more Responsible for generating loan documentation, creating files, and tracking relevant loan information in the commercial lending department. • Booked and serviced millions of dollars in loans on a daily basis. • Worked with lenders, credit analysts, title companies, and attorneys to ensure all financial and legal documentation was captured to originate and document the loan. • Produced any necessary documentation for the loan to close and for the bank to be aptly positioned with respect to the collateral. • Filed with the appropriate state and government agencies following closing to ensure the bank’s lien position on client assets.

• Universal Banker

  • Jul 2014 - Jan 2015

  Madison, Wisconsin Area Served as a personal banker and teller at the local branch located inside Meriter Hospital. • Worked one on one with clients daily to service their current financial needs and offer any products and services that could benefit them and help them achieve their financial goals. • Became proficient in federal and state financial regulations in order to best safeguard client’s information while ensuring the bank was within compliance. • Began transition to commercial loan processor shortly… Show more Served as a personal banker and teller at the local branch located inside Meriter Hospital. • Worked one on one with clients daily to service their current financial needs and offer any products and services that could benefit them and help them achieve their financial goals. • Became proficient in federal and state financial regulations in order to best safeguard client’s information while ensuring the bank was within compliance. • Began transition to commercial loan processor shortly after beginning as a Universal Banker based on my early successes in being able to grasp difficult concepts and attention to detail.



Family Video

• United States
• Retail
• 700 & Above Employee

• Assistant Store Manager

  • Mar 2012 - Jul 2014

  Madison, Wisconsin Area Managed the day to day operations of the Madison area retail store. • Provided exceptional customer service while achieving financial goals and expectations. • Responsible for the hiring, training, and professional development of store employees. • Aided in the strategic planning and implementation of a partnership with Marco’s Pizza.



Target Mobile

• South Africa
• 1 - 100 Employee

• Sales Manager

  • Sep 2011 - Mar 2012

  Madison, Wisconsin Area Helped rebuild and sustain sales at a Target Mobile location in the Madison, WI area. • Increased sales volume from $4,000 to $10,000 in the first month alone. • Managed all operations of the store including hiring and managing associates while surpassing company sales and service standards. • Maintained a good relationship with the partner store, Target, and assisted in increasing sales volume in their electronics area by offering new product knowledge and services.

• Sales Associate

  • May 2010 - Aug 2011

  Portland, Maine Area Worked as a wireless expert and provided wireless solutions to customers in the Portland market. • Averaged over $10,000 in sales each month which exceeded company goals. • Enhanced customer service skills by learning consumer needs in order to provide them with the best possible wireless solution.