Raelene Sagapolu

Responsible for managing a loan portfolio made up of asset-based and factoring deals. Possess a clear understanding of commercial financial statement analysis along with strong accounting skills. Meets with prospects to develop information concerning their business, needs, abilities, collateral and revenue model to determine whether a loan may be an acceptable credit risk. Obtains and analyzes all necessary financial data. Able to make credit approval decisions on loans and terms within own lending limits, or makes recommendations to appropriate lending authority. Ability to underwrite and structure collateral based transactions/updates/action plans of client accounts with varying degrees of complexity. Strong negotiation and collection skills. Proactively monitors current loan portfolio for potential problems by analyzing appropriate and timely reporting. Understand general loan documentation for multiple loan products summarized as follows; factoring, asset based, lines of credit, and term loans. In addition, understand general process documentation such as, notification letters, UCC perfection, Dunn and Bradstreet, and other documents to ensure perfection of the Bank’s security interest in compliance with regulatory, legal and Bank requirements. Complete understanding of internal departments/processes in order to complete banking functions. Understands Bridge Bank's regulations and policies. Able to develop and mentor Credit Analyst.

Ensure bank employees are abiding by all rules and regulations set forth by the government. Maintain that all internal controls and regulatory processes are being carried out. Audit current processes and practices to make sure they conform to regulations. Act as liaison between Corporate Compliance and the lenders. Self test credit files on a quarterly basis to ensure that files conform to regulations and procedures. Conduct semi-annual compliance training to update any new regulations or procedures. Send out monthly email correspondence with results of internal tests in the various compliance segments along with suggestions on how to improve results. Follow up with teams and individuals that need additional guidance and support.

Meet with clients and prospects to discuss financing needs. Analyze financial statements and other financial information to see what the bank can offer to meet clients need. After analyzing, draft loan proposal to send out to the client. Once proposal is accepted, underwrite the loan recognizing the strengths and risks associated with the loan. Work closely with Senior Relationship Manager and Senior Credit Officer to answer questions they may have before approving the loan. Once approved, assist in preparation of loan documentation with outside counsel. Assist in the loan negotiation with external and internal counsel of the bank and the client’s counsel. Prepare executed loan documentation for Quality Control to be booked and funded.

Prepared and analyzed financial statement spreads and wrote credit analyses at request of account officers. Reviewed accounts receivable, inventory and accounts payable reports for borrowing base availability, compliance, and trends. Reviewed and analyzed financial information for covenant compliance; developed and analyzed trends. Authorized routine loan advances within established policies, procedures and delegated authority. Maintained systems and reports for tracking and monitoring of the Division portfolio. Conducted special projects; built financial models and researched industry trends and studies at the request of Senior Credit Officer and/or Division Manager.

Provided administrative support to the Senior Vice President and the six members of the Semiconductor Team. Opened new accounts and facilitated all banking services for the Semiconductor Team clients. Sent out marketing packages and new account kits to prospects and existing clients. Assisted clients with banking needs. Gathered information and produced various reports as required. Performed D&B and UCC searches. Assisted in planning and facilitating client events and team schedules. Created and maintained credit files. Maintained departmental new accounts and database. Managed overdraft process. Prepared Loan Approval Sheets, Credit Risk Rating, Variances and Terms and Conditions sheets.