Catherine Chance
Monroe,LA
Summary
Highly experienced credit analyst offering well developed skills with management and mentoring capabilities. Pursuing a position with a regional/national financial institution.
Overview
28
28
years of professional experience
Work History
Credit Analyst IV
Origin Bank
West Monroe, LA
04.2010 - Current
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
- Provided training sessions for new staff members on credit analysis techniques.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
Relationship Manager
Regions Bank
Monroe, LA
03.2008 - 04.2010
- Identified customer needs, developed customized solutions, and provided knowledgeable advice.
- Collaborated with internal teams to develop strategies that would increase customer engagement levels.
- Analyzed market trends and identified potential new customers through research activities.
- Established strong client relationships to drive business development.
Commercial Underwriter
JP Morgan Chase
Monroe, LA
10.1996 - 03.2007
- Prepared detailed written analyses of loan requests for presentation to senior management.
- Inspected financial statements, credit information and title data to complete underwriting process.
- Performed periodic reviews of existing customers' accounts for ongoing creditworthiness assessment purposes.
- Coordinated with other departments such as Loan Administration and Credit Risk Management during the underwriting process.
Education
MBA - Finance
Southeastern Louisiana University
Hammond, LA05-1993
Bachelor of Science - Psychology
Louisiana State University And A&M College
Baton Rouge, LA05-1991
Skills
- Data Compilation
- Underwriting
- Proficient in Microsoft Office Suite; IBS; n-Cino; Risk Analyst
- Risk mitigation strategies
- Portfolio Management
- Cash Flow analysis
- Oral and written communications
- Statement Review
Affiliations
- Kiwanis Club member for over 7 years serving as President for 3 years
Accomplishments
- Leadership Ouachita Graduate
Timeline
Credit Analyst IV
Origin Bank
04.2010 - Current
Relationship Manager
Regions Bank
03.2008 - 04.2010
Commercial Underwriter
JP Morgan Chase
10.1996 - 03.2007
MBA - Finance
Southeastern Louisiana University
Bachelor of Science - Psychology
Louisiana State University And A&M College