Ashley Nagel
Austin,TX
Summary
Experienced portfolio manager with over 10 years of expertise in credit analysis, risk management, and commercial portfolio management. Proven track record in effectively managing exposure and ensuring client satisfaction. Adept at bringing a fresh perspective to challenges and demonstrating a strong commitment to quality and success.
Overview
19
19
years of professional experience
1
1
Certification
Work History
VP, Senior Commercial Portfolio Manager
Broadway National Bank
02.2022 - Current
- Manage a $130MM+ commercial loan portfolio across two business markets (Houston and Austin), assisting to strategically grow the Austin portfolio by more than $40MM in 2024
- Directly responsible for underwriting and analyzing complex commercial credits to support informed decision-making and risk management that align with the Bank's risk appetite and Credit Policy
- Recommend appropriate credit structures for new credit exposures as well as existing exposure renewals
- Work independently with the Bank's existing customers to ensure all renewals and new loan requests are processed quickly, efficiently, and with little input from the Relationship Manager
- Oversee portfolio performance on new and existing credit exposures to ensure customers remain compliant with all loan agreement terms
- Acts as subject matter expert for credit administration and positioned as a key team member for assigned Relationship Managers that focuses on the internal process, allowing the bankers to be more effective externally
VP, Commercial Portfolio Manager
Zions Bank
07.2019 - 08.2021
- Managed a $100MM+ portfolio while working closely with new and existing customers to accommodate growth and operating needs through financing
- Top performing portfolio in 2020 and only Portfolio Manager to meet production goal despite pandemic hurdles (met 113% of production goal)
- Managed multiple problem loans during the pandemic, consulted with management of the companies on strategy to stop revenue and net income decline, and structured plan to ensure the companies remained within compliance of all loan obligations (experienced no loan losses as a result)
- Spread and analyzed financial statements, addressed industry risks, collateral requirements, loan structuring and pricing, credit analysis, monitored credit performance, drafted loan presentations, ensured policy compliance, and maintained continuous communication with customers and Credit Team
- Provided customer service through clear communication skills, approachability, and working knowledge of all processes
- Expanded, built, and maintained relationships both with customers, resulting in a high degree of customer satisfaction
Commercial Underwriter
Zions Bank
03.2018 - 07.2019
- Performed detailed credit analysis commercial real estate purchases of financial statements, spreads, cash flow, collateral requirements, industry risks, loan structuring and pricing, and risk grading
- Underwrote credit presentations identifying strengths and weaknesses along with potential risks and mitigating factors within the credit
- Reviewed credit presentations and discuss credit opinions with Credit Administration
- Communicated effectively with customers to answer questions and offer working knowledge of bank processes
Assistant Relationship Officer
Zions Bank
08.2014 - 03.2018
- Assisted with portfolio management, credit analysis, and underwriting of complex corporate credit facilities in a portfolio totaling $320MM in commitments
- Analyzed monthly and quarterly financial statements to monitor credit performance and to proactively identify potential risks and weaknesses
- Serviced commercial portfolio and generated reports on credits including quarterly reviews, covenant compliance, past dues, collateral exceptions, and financial performance updates
- Collaborated with Relationship Manager and Portfolio Manager on loan structuring and pricing, credit analysis, and credit risk grading
- Underwrote credit presentations for loan and/or covenant modifications and assisted in underwriting new loans and restructures
Paralegal
Scalley Reading Bates Hansen and Rasmussen, PC
01.2011 - 08.2014
Paralegal
Nelson Taylor and Associates, PLLC
12.2008 - 01.2011
Sales Representative
Vector Marketing Corporation
05.2006 - 12.2008
Education
Bachelor of Science - Finance
University of Utah
Salt Lake City, UT12.2012
Skills
- Financial Acumen and Risk Management
- Commercial Underwriting Proficiency
- Collaborative Teamwork
- Motivated Individual
- Customer Engagement
- Effective Communication
- Meticulous Attention To Detail
- Skilled in Microsoft Office Applications
Certification
- Intermediate Credit Program, Zions Bancorp Learning & Development
- Credit Foundations, Zions Bancorp Learning & Development
Timeline
VP, Senior Commercial Portfolio Manager
Broadway National Bank
02.2022 - Current
VP, Commercial Portfolio Manager
Zions Bank
07.2019 - 08.2021
Commercial Underwriter
Zions Bank
03.2018 - 07.2019
Assistant Relationship Officer
Zions Bank
08.2014 - 03.2018
Paralegal
Scalley Reading Bates Hansen and Rasmussen, PC
01.2011 - 08.2014
Paralegal
Nelson Taylor and Associates, PLLC
12.2008 - 01.2011
Sales Representative
Vector Marketing Corporation
05.2006 - 12.2008
Bachelor of Science - Finance
University of Utah
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