SVP Credit Administrator/risk Manager
Approved loan transactions and monitored client credit exposures across multiple industry sectors. Supported chief credit officer in managing loan policies and procedures; loan review and approval; loan documentation and servicing; and loan workouts and collection. Member: director's loan committee.
- Supported lending activities of relationship managers and regional presidents with loan portfolio of $458 million concentrated in commercial real estate construction and term loans and commercial and industrial credit. Teamed with relationship managers and analysts to evaluate and structure new transactions.
- Worked with chief credit officer in elevating regulatory asset quality rating. Developed and taught a nine-hour training program for lenders and analysts to enhance credit culture and bank profitability.
- Contributed to the Allowance for Credit Loss process by providing input on asset quality trends, risk identification, loan portfolio mix and concentration, specific reserves, peer analysis, qualitative factor assessment, and economic and business conditions. As Risk Officer, performed the initial enterprise-wide risk assessment for the bank.
- Supported chief lending officer in analysis and underwriting of $100 million in new credit commitments.