Audrey Horn
Commercial Credit Analyst
Tulsa,OK
Summary
Trained Credit Analyst offering experience in preparing credit memorandums for new and existing customers including annual reviews and renewals. Excellent skills in managing workflow, multi-tasking, and attention to detail. Team-oriented individual with excellent verbal and written communication skills.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Commercial Credit Analyst I
First National Bank Of Broken Arrow
10.2021 - Current
- To perform financial and industry analysis in regard to credit requests. Spread and analyze financial statements for new and existing loan customers while working closely with loan officers through all aspects of the lending process and assist in the overall credit risk management.
- Continuously monitor and test covenants
- Review monthly Borrowing Bases, as received.
- Complete annual line reviews on relationships exceeding $1 million.
- Assist in updating monthly reports for Executive Management( i.e. borrowing base, letters of credit, policy exceptions, etc.) and other projects as necessary, (i.e. portfolio stress testing).
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Completed trainings include RMA Understanding and Interpreting Appraisals, RMA Cash Flow Analysis, and RMA Commercial Real Estate Global Cash Flow Analysis.
Commercial Credit Analyst I
First National Bank & Trust of Okmulgee
03.2021 - 10.2021
- Analyze credit data, financial information, and loan application of persons and businesses applying for credit to determine the level of risk to the bank and the borrower’s ability to repay
- In order to determine, a cash flow analysis is prepared by spreading and analyzing financial statements including tax returns, income statements, balance sheets, etc. While working closely with loan assistants and officers to reach a decision
- Additional responsibilities include monitor, review, and prepare credit modification memos for maturing loans, prepare monthly pipeline reports, mortgage electronic filing, review appraisals, and evaluations
- Strong analytical and financial skills including, mathematical, attention to detail, research, technological, verbal and written skills
- Advanced experience in Microsoft Office including Excel, Word, and PowerPoint
- Training includes the following OBA conferences: Basic Personal & Business Tax Return, Advanced Financial Statements & Cash Flow Analysis, Advanced Tax Return Analysis, Commercial & Industrial Lending and Commercial Real Estate Lending, and Community Bankers Residential Appraisal Reviews from Start to Finish.
Indirect Loan Officer
Arvest Bank
11.2020 - 03.2021
- Apply individual judgment; follow specific guidelines and policies to underwrite a high volume of indirect auto and powersport loans in a timely manner
- Analyze consumer credit reports and data to reach a sound decision and mitigate risk
- Communicate with dealers and customer regarding loan details and documentation
- Strong analytical and problem-solving skills including calculating loan ratios and rehash with dealers
- Thorough understanding of contracts and required supporting documents
- Serve as a resource to Loan Processors and Quality Assurance for underwriting and loan documentation questions
- Assist Management and other team members to create and update reports for department and loan committee.
Loan Document Systems Specialist
Arvest Bank
03.2019 - 11.2020
- Review all funded loan packets for accuracy and provide guidance to loan funders
- Work through TCI (loan underwriting and funding software), Microsoft Access and Excel to pull reports and input all completed loan packets
- Research new dealerships to setup and perform ongoing research for high rated dealerships
- Train new Loan Funding Coordinators, change/update procedures for Quality Assurance and Loan Funding Coordinators as needed
- Work closely with the underwriters, funders and dealerships to obtain missing documentation
- Answer and direct all phone calls in a timely manner while providing great customer service and a friendly atmosphere
- Assist Loan Funding Coordinators with all duties listed below daily.
Loan Funding Coordinator
Arvest Bank
04.2017 - 03.2019
- Review loan packets for accuracy, organize and input all information into TCI, a loan processing software
- Request additional documents from dealership when needed, work with dealers to get all packets funded in a timely manner
- Filing liens/UCC for Arkansas, Kansas, Missouri and Oklahoma when requested by dealership
- Answer and direct all phone calls in a timely manner while providing great customer service and a friendly atmosphere
- Complete end of day work including pulling reports, paying dealerships through ACH software, Cashman and BTE as well as processing checks
- Assist with Quality Assurance when needed including reviewing all funded loan packets for accuracy, reviewing reports, cancelling first payment letters and creating new letters.
Consumer Loan Assistant
Arvest Bank
06.2015 - 04.2017
- Accurately input loan applications, answer and direct phone calls
- Implement new procedures for renewal process including: Pull Notes Maturing in 60 days Report, send letters for maturing loans, follow up with a phone call/email at 30 days and if needed again at 15 days
- Complete the entire renewal process until closing which includes: inputting the application, requesting documentation from the customer and submitting to underwriting, ordering appraisal/Title work
- Quality Assurance to verify all loan documents are present, signed and booked properly
- Assist loan officers with HVAC applications, inputting, processing, calling customer to schedule closing date, time and place, and generate loan documents
- Call/email RV dealers on applications that are past 15 days since application.
Teller
Arvest Bank
05.2014 - 06.2015
- Accurately process customer transactions while following proper policy and procedures
- Process deposits and loan payments, request supervisor approval when cash out transactions are over set limits, run commercial deposits, provide a friendly atmosphere and present great customer service to all customers, answer phone in a timely manner, balance vault when help is needed, scan and email documents to appropriate departments, perform closing/opening duties when opening/closing, scan work daily, balance teller drawer daily, maintain keys and codes to branch, vault, and security systems privately.
Education
Bachelor of Science - Business Management
Oklahoma State University
Stillwater, OK 05.2001 -
Associate of Science -
Tulsa Community College
Tulsa, OK 05.2001 -
Skills
Verbal and written communication
undefinedCertification
ABA Foundational Commercial Lending School
Timeline
ABA Foundational Commercial Lending School
04-2023
Commercial Credit Analyst I
First National Bank Of Broken Arrow
10.2021 - Current
Commercial Credit Analyst I
First National Bank & Trust of Okmulgee
03.2021 - 10.2021
Indirect Loan Officer
Arvest Bank
11.2020 - 03.2021
Loan Document Systems Specialist
Arvest Bank
03.2019 - 11.2020
Loan Funding Coordinator
Arvest Bank
04.2017 - 03.2019
Consumer Loan Assistant
Arvest Bank
06.2015 - 04.2017
Teller
Arvest Bank
05.2014 - 06.2015
Bachelor of Science - Business Management
Oklahoma State University
05.2001 -
Associate of Science -
Tulsa Community College
05.2001 -
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