beverly collins

 Responsible for assisting commercial lenders in the credit approval process. Complete credit analysis on a variety of different companies including industry analysis, balance sheet, income statement, cash flow, interest rate sensitivity, collateral evaluation, projections, break-even, etc. Define strengths, weaknesses, and risks of proposed structure and determine loan grade based on analysis completed. Help structure terms, covenants, and monitoring needs on an on-going basis. Contact company management to resolve questions and/or issues that come up in the underwriting process. In addition to new proposals, complete underwriting for lines of credit and other commercial term facilities during the renewal process. Solicit new business. Call on clients with or without commercial lender support. Advise lenders in the negotiation process with prospective clients. Continued follow-up with clients to ensure they remain happy with the bank and their financial needs are met.

 Responsible for minimizing bank losses through identification of problem loans. Duties included: Auditing the bank’s loan portfolio in order to determine how well individual lending units identify lending opportunities, extend new credit within appropriate risk parameters, how well credits are monitored and supervised after booking, and how well credits are monitored after problems arise. Sample new and seasoned loans within lending units to accurately evaluate the quality of lending practices, credit-related managerial supervision, identify unnecessary credit risk being assumed, effectively communicate issues to senior management, and work towards positive change with the unit lending manager. Hard work and attention to detail resulted in company savings via exit strategies for problem loans. Recommendations made to better enhance and control lending practices have been implemented and have become part of the overall lending policy.

 Responsible for assisting commercial lenders in the credit approval process. Complete credit analysis on a variety of different companies including industry analysis, balance sheet, income statement, cash flow, interest rate sensitivity, collateral evaluation, projections, break-even, etc. Define strengths, weaknesses, and risks of proposed structure and determine loan grade based on analysis completed. Contact company management to resolve questions and/or issues that come up in the underwriting process. In addition to new proposals, complete underwriting for lines of credit and other commercial term facilities during the renewal process.