Amber Cousin
Austin,United States
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Expertise in financial analysis, relationship management and account management. Team-oriented leader possessing strong focus on employee relations and team building.
Overview
4
4
years of professional experience
Work History
Commercial Banking Relationship Manager
Frost Bank
09.2022 - Current
- Identify prospects, evaluate financial needs, and develope new business opportunities with superior consultative & negotiation skills.
- Underwrite and analyze loan requests for professional & executive businesses such as doctors, attorneys, accountants, architects, and engineers. Analysis includes cash flow, working capital, collateral valuation, and mitigating credit risks.
- Manage and develop complex commercial accounts to meet bank's lending requirements and maximize profitability and minimizing risk.
- Support Regional President with additional projects and job duties.
Associate Relationship Manager I
Frost Bank
07.2021 - 10.2022
- Execute analysis of financial condition, historical performance, cash flow, industry, and market position to assess overall credit quality for law firms, medical practices, and misc. commercial borrowers.
- Coordinate with Senior Vice Presidents to assemble loan packages on new & existing extensions of credit for approval by Credit Risk Officer and Executive Sales Manager. Credit Requests range from $50M - $11MM.
- Actively monitor status of regional loan agreement compliance within a $230MM+ portfolio to ensure loans are in compliance with mandated compliance percentage of less than 18%
- Formally Credit Trained through Frost's 6-week corporate banking training program.
Personal Banker
Frost Bank
11.2019 - 07.2021
- Assisted customers with opening and closing accounts, completing loan applications and signing up for new services to expand financial portfolios.
- Processed deposits, withdrawals, and payments for over 1,000 customers daily.
- Acted as Vault Teller with additional duties such as balancing staff cash drawers and branch vault at EOD and secured monies in accordance with procedures.
- Trained new tellers in processes and procedures for financial institution, answering questions and providing guidance.
Cash Application Specialist
Arrive Logistics
04.2019 - 08.2019
- Developed monthly, quarterly and annual profit and loss statements and balance sheets.
- Assessed & analyzed data to verify entry, calculation and billing accuracy.
- Reviewed account documentation for over 500 accounts, rectified issues and contacted vendors about account changes.
Education
BBA - Finance
Texas State University
San Marcos, TX05.2019
Skills
- Banking
- Account Management
- Compliance, banking laws and regulations
- Experienced with salesforce software
- Financial Analysis
- Data analyst
- MS Office, Access, and Excel
- Supply chain
Timeline
Commercial Banking Relationship Manager
Frost Bank
09.2022 - Current
Associate Relationship Manager I
Frost Bank
07.2021 - 10.2022
Personal Banker
Frost Bank
11.2019 - 07.2021
Cash Application Specialist
Arrive Logistics
04.2019 - 08.2019
BBA - Finance
Texas State University