Commercial Credit Underwriter/Portfolio Manager

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Commercial Credit Underwriter/Portfolio Manager with 7 years experience looking for a Direct Contributor position.

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KATHERINE J. HEIN 44031 Ferncliff Tr., Ashburn, VA 20147 Email: [email protected]

Mobile: 703-508-6410

OBJECTIVE: To attain a career opportunity in commercial banking utilizing my skills and exp erience in credit analysis, loan underwriting, loan portfolio management and sal es. RELATED EXPERIENCE: Booz Allen Hamilton, McLean, Virginia (6/2010-1/2011) Booz Allen provides consulting services for the United States Government. * Senior Consultant Provided business analytical service to the Civil Finance Services team supporti ng the Internal Revenue Service and the Department of the Treasury; Completed ex tensive training in portfolio, program and project management; active federal se curity clearance. The Business Bank, Vienna, Virginia (1/2010-6/201 0) TBB provides residential and commercial financing within the Northern Virginia f ootprint. * Commercial Loan Portfolio Consultant Responsible for stress testing the commercial loan portfolio by subjecting credi ts greater than $250M to variables such as interest rate increases, collateral v alue and NOI decreases, and arriving at a value that represents the level of 'st ress' that loans can absorb; responsible for risk rating the commercial loan por tfolio. American Bank, Bethesda, Maryland (2008-2010) AMBK provides A&D, A&C and C&I financing options to business owners, owner/opera tors and developers of commercial real estate throughout the eastern, southern a nd mid-western United States. * Assistant Vice President - Portfolio Manager Managed the performance of a $100,000,000+ commercial real estate portfolio; to include the monitoring of financial reporting and covenant compliance; facilitat ion of credit renewals and modifications; assurance of regulatory compliance; co llection of past due accounts; initiation of foreclosure proceedings; monitoring of Watch List credits; site visitation and reporting of corresponding construct ion progress and review of appraisals. Performed initial underwriting due dilig ence at the direction of senior management in preparation for submission of cred it and/or modification requests to credit department. PNC Bank, Vienna, VA (2004-2008) PNC Bank provides a wide array of financing products throughout the contiguous U nited States. * Assistant Vice President - Promoted to Underwriter II (3/2008) Completed eight weeks of formal Credit Training, Pittsburgh, Pennsylvania, Octob er, 2008. * Assistant Vice President - Promoted to Underwriter I (9/2007) Performed timely, high quality credit underwriting encompassing cash flow modeli

ng, asset valuation, debt structuring and pricing, due diligence, analyzing mark et conditions, lease review, loan document review, closing and loan administrati on; validated and facilitated the assignment of risk ratings; provided ongoing f inancial analysis support to portfolio management officers; interacted with borr owers and third parties to ensure the acquisition of all required documentation, then utilizing same for the purposes of analysis; performed annual reviews on a ll assigned credits; prepared Special Asset Committee (SAC) reports for substand ard, high risk loans; assisted loan officers with loan structuring; augmented lo an officers in their role as relationship managers. * Bank Officer - Promoted to Credit Analyst (8/2005) Performed review of loan applicant's financial information and prepared various credit analyses, reports and schedules in support of the underwriting process. S pread financial information utilizing Moody's Financial Analyst. Performed credi t underwriting encompassing cash flow modeling, asset valuation, debt structurin g and pricing, due diligence, analyzing market conditions and lease review. Iden tified additional information needed to complete the analysis process while high lighting critical components of each credit submission which would require clari fication or increased scrutiny. Supported Chief Credit Officer in the implemen tation and management of Officer's Loan Committee.

* Bank Officer - Promoted to Disbursement Officer (12/2004) Assisted the Credit Quality Control Officer in ensuring the credit integrity of the asset-based and CRE loan portfolios; managed the satisfaction of requirement s necessary for disbursement of monies. * Loan Administrator Assistant & Loan Administrator (2/2004) Supported applicable staff both pre and post-closing by preparing and/or reviewi ng loan documentation; performed continued maintenance of construction loan disb ursement schedules for multiple facilities; developed and maintained Constructio n Loan Report and Asset-Based Lending Portfolio Report; monitored and updated As set Based Trend Report; processed advances applicable to non-asset based commerc ial LOC's; monitored disbursement activity on syndicated credits, ensuring lead bank compliance; managed the process of supporting documentation provision inclu ding borrowing base certificates, A/R and A/P aging, inventory and backlog repor ts; coordinated project inspections, loan pay down and pay off transactions. SALES EXPERIENCE: * Program Manager: USC Graduate Studies, the Institute of Safety & Systems Manag ement, Kadena Education Center Okinawa, Japan * Sales Representative: Prentice-Hall, Inc., Englewood Cliffs, NJ * Commodities Broker: Annapolis Funding Company, Inc., Annapolis, MD. SOFTWARE PROFICIENCIES: YS, CORE, Madison EDUCATION: All MS products, Moody's KMV Financial Analyst, BIS Banking Software; SharePoint University of North Carolina Bachelor of Science; Economics

PROFESSIONAL DEVELOPMENT: Over 200 hours of specialized business training sponsored by Booz Allen Hamilton (transcript available upon request)

PNC Formal Credit Training Program, Pittsburgh, PA Omega: Residential and Hotel Lending Omega: Commercial Real Estate Income Producing Property Lending II Omega: Commercial Real Estate Income Producing Property Lending I CFT: Personal and Self-Employment Tax Return Analysis CFT: Financial Accounting PERSONAL ACCOMPLISHMENTS: * Chosen as sole representative of Mercantile Potomac Bank to serve as ombudsman to PNC Bank and to assist in facilitating the 2007 merger. * Served on PNC corporate commission designated with the responsibility to reass ess the recovery rate of the guarantor component on loss given loan default. * Selected to serve in a line capacity to help foster harmonious acquisitions du ring two distinct mergers. * Member of Omicron Delta Epsilon, National Honor Society in Economics.

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