Colleen Ostroski

Scranton,PA

Overview

years of professional experience

NBT Bancorp

Scranton, PA

07.2010 - 10.2021

Prepare written analysis of commercial loan requests providing a comprehensive financial analysis of the Borrower’s and Guarantor’s financial condition documenting repayment capacity, including industry comparisons and projections when necessary
Assist lending officers in preparing, completing and reviewing the documentation necessary to present a loan request to the Board of Directors Loan Committee for approval
Prepare and distribute reports to management and others using various system reports and miscellaneous data and assist with portfolio administration within the Commercial Loan Division
Assist lenders in continuous monitoring of asset based lines of credit through analysis of customer reports
Spread tax returns, business and personal financial statements via PC based programs
Assist with training staff members

NBT Bancorp

Scranton, PA

10.2021 - Current

Prepare a written comprehensive financial analysis and underwriting documents for loans with moderate and higher-level complexity
Join commercial banking officers on client and prospect calls in multiple markets
Act as a subject matter expert for affordable housing deals in the credit department, and provide underwriting and guidance to other underwriters on larger affordable housing deals
Assist in identifying FDIC high risk loans
Assist in reviewing Affordable Housing Program grant requests provided by the FHLBNY
Provide mentoring to credit analysts

First National Community Bank

Dunmore, PA

07.2003 - 07.2010

Prepared detailed written analysis of loan requests including financial analysis and cash flow analysis
Assisted the Credit Department Manager in training and offering support to Credit Analysts
Prepared various monthly and quarterly reports on current extensions of credit to customers
Reviewed appraisals completed by appraisers on commercial and residential properties
Assisted in addressing system issues in order to make reporting processes more efficient
Oversaw special projects worked on by Credit Analysts

The Pennsylvania State University

University Park, PA

05-2003

Computer: Microsoft Power Point, Excel, Word, Outlook, Copilot

Traveling, yoga, hiking, music

NBT Bancorp

10.2021 - Current

NBT Bancorp

07.2010 - 10.2021

First National Community Bank

07.2003 - 07.2010

The Pennsylvania State University