joan o'burke

regional credit officer

About

I have 29 years of bank experience primarily in credit and risk management. Demonstrated expertise in commercial and real estate analysis, underwriting and approval. Documented record of success in management of growing loan and deposit portfolios. Strong working knowledge of banking standards, procedures, regulations and laws. Excel in recruiting, training and coaching credit personnel. Specialties: Commercial Loan Underwriting, CRE Underwriting, Credit Analysis, Risk Grading, Watchlist Management, Staff Development & Training, Policies & Procedures, ALLL Reporting, Customer Negotiations, Contract Negotiations

Country

united states

City

port arthur

Industry

banking

Skill

credit analysis, risk management, financial analysis, loans, time management, team management, microsoft office, coaching

Experience

risk manager

wells fargo

1998-10 - 2009-4 · 10 yrs 7 mos

Decisioned commercial and CRE loan requests after meeting with customers with loan officer, preparing analysis and structuring.

regional credit officer

first financial bank texas

2011-11 - 2016-1 · 4 yrs 3 mos

regional credit officer

communitybank of texas n.a.

2016-5 - Present · 10 yrs 5 mos

chief credit officer

third coast bank, ssb

2009-4 - 2011-9 · 2 yrs 6 mos

Managed all credit risk exposure, including; decisioning loan requests, writing policies and procedures, risk grading, Watchlist management, overdraft management, compliance, and ALLL management.

credit administration manager

community bank and trust ssb

1993-12 - 1998-8 · 4 yrs 9 mos

Performed credit analysis and prepared written presentation for approval by Loan Committee. Recruited, trained and managed credit staff of 4 analyst. Maintained Watchlist. Prepared monthly reports for Board of Directors. Established and maintained financial statement and exception tracking system.