Anita Boronkay
Summary
Hardworking SBA Credit Manager with 25 years Banking experience in a variety of Banking environments. Experience includes consumer banking and lending, commercial, business and private banking lending, specialized lending in unique industry niches, most recently with over 9 years of specialized SBA lending. Experienced in both large and small bank environments, with both direct and centralized credit cultures. Enthusiastic about pursuing growth while maintaining credit quality, standardizing processes and developing a strong credit culture. Participated in multiple complicated bank acquisition integrations and the execution of merging credit cultures and systems training. Detail oriented with focus on creditworthiness, compliance and soundness in managing portfolio.
Overview
25
25
years of professional experience
1
1
Certification
Work History
SBA Division Credit Manager, Vice President
NBH Bank
05.2018 - Current
- Integral driver of SBA Division growth from team of 3 to 20 personnel with annual loans goals of $15 million to over $100 million
- Manage a team of 4-5 SBA Underwriters, an SBA Portfolio Manager and a Credit Analyst in the execution of SBA origination underwriting and management of SBA Portfolio
- Responsible use of approval authority of $5MM to approve transactions, primarily SBA for entire Bank footprint
- Reviewed and Revised internal Credit Policies as member of Credit Policy Committee, including a complete re-write of SBA policies to align with recently changed SBA SOP
- Leading role in acquisition integration system training, and alignment of multiple credit cultures
Senior Approval Officer
NBH Bank
09.2014 - 05.2018
- Structure and analyze SBA transactions for creditworthiness and SBA Eligibility for existing and prospective clients in partnership with internal teammates
- Identify and clearly communicate credit concerns, provide potential mitigants and solutions to structure viable transactions
- Understand complex structures for business acquisitions, working capital, real estate, construction loans, debt refinance and other asset acquisition financing
- Analyze financial statements, operating performance and key metrics on a historical and projected basis
- Work effectively with multiple bank channels in multi-state bank footprint
- Underwrite loans in compliance with internal and external regulation and compliance requirements
Credit Officer
AMG National Trust
01.2014 - 05.2014
- Responsible for due diligence and underwriting for prospects and existing clients
- Responsible for underwriting a variety of loan types, including commercial and residential real estate, commercial loans and lines of credit and personal investment financing.
Credit Officer
CoBank
07.2012 - 12.2013
- Portfolio management responsibilities for over $600 million portfolio of Electric Distribution clients with average commitment size of $12 million, Water portfolio over $70 million and Healthcare portfolio approximately $40 million
- Clients included not for profit, investor owned and municipal borrowers.
- Complete due diligence and underwriting for prospects as well as annual reviews and renewals of existing clients, which encompasses analysis of financial performance and trends as well as other pertinent non-financial factors.
Credit Officer
KeyBank
09.2007 - 06.2012
- Approval authority up to $1.5 million at $89 billion bank with asset quality focus
- Performed credit analysis and underwriting of over 100 prospects and clients for Private and Business Banking in 2011 with an average size of $1 million and relationships as large as $10 million
- Effectively evaluated and reviewed $40 million in exposure for Private Banking clients in 2011, including $14 million in new money
- Responsible for both underwriting and credit decisions for $94 million of Business Banking proposals (revenues between $5-20 million), $36 million of which were prospects
- Continuous monitoring of existing portfolio for performance and compliance with covenants, including problem credit monitoring and reporting
- Prepare and present Banker training courses on pertinent credit issues and procedural requirements
- Provide systems and credit training to new employees within the Credit and Sales Departments
Vice President, Assistant Relationship Manager
KeyBank
09.2004 - 09.2007
- Managed portfolio of 40-50 diverse Middle Market clients with revenues between $10-250 million
- Supported 5+ Relationship Managers in developing a trusted advisor relationship with clients and prospects to successfully execute delivery of credit, depository and service products
- Performed financial statement analysis along with all other relevant financial and non-financial data to present a concise focused analytical foundation for a credit decision
- Prepared and participated in customer and prospect presentations and proposals
- Portfolio maintenance included quarterly monitoring and evaluation of amendments and renewals
Senior Credit Underwriter
U.S. Bank
07.2002 - 09.2004
- Responsible for conducting analysis, creating approval package and recommending approval for credit proposals received for Commercial Bank clients and prospects
- Assist Relationship Managers with client management of financial statement submission, maturity date renewals, problem credit monitoring, covenant violations, and past due reporting
Assistant Relationship Manager
U.S. Bank
12.1999 - 06.2002
- Supported two senior Relationship Managers to manage diverse portfolios of 30-40 commercial credit relationships in a variety of businesses including locally specialized Lumber and Fishing industries
- Analyzed and monitored financial performance of commercial clients and prospects, with revenues above $10 million, for credit quality and compliance
- Facilitated training program for new employees, incorporating various department presentations and financial analysis education
Personal Banking Officer
U.S. Bank
07.1998 - 12.1999
- Successfully cross sold new and existing consumer clients to build extensive banking relationships
- Consistently met and exceeded monthly sales goals and earned commissions above base salary
Education
MBA - Business Administration
Seattle University
Seattle, WA2002
Bachelor of Arts - Business Administration, English
Western Washington University
Bellingham, WA06.1998
Skills
- Teamwork Focused
- Relatable Leadership
- Analytical and Critical Thinking
- Process Development
- Credit Administration
- Portfolio Management
- Credible Financial Analysis
- Technical Writing
Certification
- NAGGL Advanced Diploma - SBA Expertise
Timeline
SBA Division Credit Manager, Vice President
NBH Bank
05.2018 - Current
Senior Approval Officer
NBH Bank
09.2014 - 05.2018
Credit Officer
AMG National Trust
01.2014 - 05.2014
Credit Officer
CoBank
07.2012 - 12.2013
Credit Officer
KeyBank
09.2007 - 06.2012
Vice President, Assistant Relationship Manager
KeyBank
09.2004 - 09.2007
Senior Credit Underwriter
U.S. Bank
07.2002 - 09.2004
Assistant Relationship Manager
U.S. Bank
12.1999 - 06.2002
Personal Banking Officer
U.S. Bank
07.1998 - 12.1999
MBA - Business Administration
Seattle University
Bachelor of Arts - Business Administration, English
Western Washington University
- NAGGL Advanced Diploma - SBA Expertise
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