Jessica Claire
Montgomery Street, San Francisco, CA 94105 (555) 432-1000,
Seasoned credit administrator with more than 30 years of experience in commercial credit. Excellent credit decisioning and portfolio management skills. Track record of achieving exceptional results in handling a high volume of credit requests with exceptional turnaround time. Proactively work with regional teams in portfolio management, credit administration issues, and process changes.
  • Risk management
  • Credit decisioning within the bank's risk appetite
  • Portfolio management
  • Coaching team members
  • RMA Credit Risk Certified
01/2017 to Current Credit Risk Officer Bank Of America Corporation | Riverside, RI,
  • Responsible for establishing the bank's quarterly allowance for loan losses and preparing loan concentration reports.  
  • Perform periodic stress testing for the various segments of the loan portfolio.  
  • Review and update the bank's credit policy.  
  • Establish the bank's first in-house credit risk review procedures.
09/2010 to 11/2016 Regional Loan Administrator Pacific Life | Lynchburg, VA,
  • Provide credit co-approval for a wide variety of commercial loans, to include commercial and industrial, income producing properties, builder and developer loans, and asset-based lending.
  • Guide and lead regional teams on portfolio management and credit administration issues.
  • Coach relationship managers and credit support members on risk rating, loan structure, and credit risk appetite.
  • Have had the highest loan volume for credit decisioning in the Alpharetta credit hub over the past two years with the best credit decisioning turnaround time.
09/1997 to 08/2010 Group Loan Administrator and Portfolio Manager BB&T | City, STATE,
  • Held various roles and responsibilities which included providing co-approval for loans within the bank's Small Commercial portfolio, leading a team of 3-4 Small Business Loan Administrators who provided co-approval and portfolio management support to various bank regions, and was Risk Manager for the Small Commercial portfolio.
  • Was involved with credit scoring tools used both for loan originations and portfolio management.
  • Developed the underwriting spreadsheet that is still in use for clients in the Small Commercial portfolio.
11/1982 to 08/1997 Management Development Associate, Credit Analyst, Branch Manager, Small Business Loan Administrator United Carolina Bank | City, STATE,
  • Started as an associate in the bank's management development program.
  • Worked as credit analyst and led the development of the bank's first computer template for financial spreads.
  • Managed one of the bank's branches working with commercial and retail clients.
  • Provided co-approval for small business loans using credit scoring and credit underwriting for half of the bank's lenders and later managed this area for the bank.
05/1981 to 11/1982 Sales Associate J. S. Mann's, Inc | City, STATE,
  • Assisted in various roles in family-owned clothing business primarily in merchandise buying and sales.
Education and Training
Expected in May 1981 Bachelor of Science | Business Administration East Carolina University, Greenville, NC GPA:
Graduated cum laude and was a member of Beta Gamma Sigma Honor Fraternity. Earned B.S. in Business Administration with a concentration in Economics.

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School Attended

  • East Carolina University

Job Titles Held:

  • Credit Risk Officer
  • Regional Loan Administrator
  • Group Loan Administrator and Portfolio Manager
  • Management Development Associate, Credit Analyst, Branch Manager, Small Business Loan Administrator
  • Sales Associate


  • Bachelor of Science

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