Sharp banking professional whose talents shine in a competitive, innovative and creative environment. Track record of increasing loans, improving client retention and growing customer base.
Completed RMA's in December 2011
I currently underwrite business loans via score only and cash flow analysis using global leverage and global debt service coverage when needed. I primarily review business loans secured with real estate, equipment, all business assets and unsecured debt. I also assist and train other underwriters with questions about loans, acaps, acls, and clon systems.
Assist Business Bankers, Community Bankers, Sales Managers, Area Executives, and Branch Managers primarily in the Florida market for Regions. I answer questions and concerns they have regarding current requests and potential loan requests. I also answer questions concerning loan products and policies and procedures when needed. Also work with bankers in identifying potential lending opportunities and isolate potential problem loans and work with Special Assets when needed.
I was also involved in the successful conversion of Amsouth and Regions renewal process for the Business Loan Center. Primarily working on Regions loans prior to conversion. Also worked on and distributed Excel Spreadsheet to Bankers for Regions maturing loans up to conversion.
9 years of experience in Direct and Indirect lending with a proven ability to achieve goals and increase profitability. Consistently the top loan producers from 1998-2006. Loan portfolio was more than double of other credit analyst while maintaining low levels of delinquency within goals. Proven track record of driving Indirect lending start up and significantly increasing loan volume. Increased my loan portfolio from 7 million to 42 million from January 2002 to August 2006.
Member of Loan Committee responsible for approving or declining employee loans. Reviewed low beacon score loan requests looking for opportunities to structure loans to minimize risk and price accordingly for risk. Reviewed work out loans for possible restructure to assist the credit union in maintaining low levels of delinquency and maximizing repayment of loans.Recognized by CEO and VP of Lending for assisting and executing business plan for a successful Indirect lending program.
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