Jeff Messmer

Spread business financial statements/tax returns, perform ratio analysis, complete risk assessment, and make sound credit decisions and recommendations via written and verbal presentations. Negotiate counteroffers and support underwriting recommendations when challenged. Complete comprehensive credit analysis and underwriting on larger and more complex credit relationships. Identify and assess key risks associated with a borrower’s financial performance, industry, and other variables that should be considered in determining a borrower’s risk profile. Assist with credit line management and monitoring. Provide recommendations and day to day guidance on new and existing workflow process, policies and procedures.

(laid-off as part of a reduction in force) Performed credit underwriting, risk assessments and financial/cash flow analysis for new and existing large commercial real estate, acquisition, land/lot development, and construction loan requests. Prepared financial spreads of various tax returns and financial statements as part of a complete written analysis of the creditworthiness of borrowers and guarantors for loan submission. Reviewed commercial appraisals, leases, environmental reports, as well as other due diligence and conducted market analysis of loan collateral to identify and mitigate risks to the bank. Discussed lending parameters such as loan structure, cash flow, collateral, market conditions, pricing, and other relevant lending issues with the Commercial Lending team. Evaluated the credit risk of the loan portfolio by stress testing and reviewing all lending types and products through sampling of new and seasoned loans, as well as marginal and criticized loans. Identified credit risk through appropriate loan risk ratings, for adversely classified loans that exposed the bank to potential credit losses. Discussed all noted deficiencies and identified weaknesses, and any existing or planned corrective actions, including time frames for correction, with appropriate loan officers and managers. Developed and coached a team of analysts to ensure all activities and projects were effective, efficient, provided a risk-based focus and supported the bank’s overall strategic objectives. Provided ongoing training, support, and feedback to credit analyst’s and other lending personnel.

Complied with all applicable banking laws, bank policies and federal regulations. Built and managed a portfolio of commercial loans and relationships through internal referrals and business development activities with current and prospective clients. Interpreted and analyzed the creditworthiness of all commercial loans and worked with credit analysts in preparing credit memorandums for presentation and approval. Researched and utilized data from companies to make loan decisions, including borrower/guarantor repayment capacity, loan structing recommendations, collateral analysis, covenant structuring and compliance and pricing and risk grade recommendations for commercial real estate, Small Business Administration, equipment financing, and commercial and industrial loans. Worked with Treasury Management & Regional Retail Manager to promote the bank’s treasury services to commercial clients providing them with tools to successfully manage their cashflows. Proactively monitored ongoing customer needs; market trends; met individual and bank goals; monitored performance of employees; motivated and lead by example; and held regular bank meetings. Interviewed, hired, and trained employees; planed, assigned, scheduled, and directed work; appraised performance; rewarded and disciplined employees; and resolved problems.

Provide credit administration support and service to Banking teams. Work with a Commercial Loan Officer's, complete the loan application memo, prepare financial spreadsheets and analysis, and provide a written summary analysis for loan committee and review. Identify and assess key risks associated with a borrower's financial performance, industry and other variables that should be considered in determining a borrower's risk profile. Review the proposed loan structure to determine if it is appropriate to sufficiently mitigate and manage risk. Make independent recommendations regarding credit risk supported by comprehensive analysis. Assist with loan portfolio management and monitoring.