Corinne F. Smith
3 Dunkirk Road, Baltimore,MD
Summary
Experienced Financial Services professional specializing in credit risk assessments and commercial loan reviews. Proven track record of collaborating with business leaders to enhance risk management practices and adhere to regulatory standards. Skilled in mentoring teams and optimizing credit processes to support business objectives.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Loan Review Senior Manager
Crowe LLP
Washington, DC
02.2023 - Current
- Conduct comprehensive risk based loan reviews, enhancing credit administration practices across complex commercial loan portfolios.
- Assess the effectiveness of credit administration practices and evaluate risk rating accuracy using regulatory rating definitions.
- Manage operating plan to ensure projects are appropriately staffed and field work is completed as scheduled.
- Guide team members in expanding their credit knowledge, particularly in complex borrowing structures, boosting team proficiency and project outcome.
- Advise senior management on industry credit administration best practices.
Loan Review Manager
Crowe, LLP
Baltimore, MD
09.2020 - 02.2023
- Conduct systematic loan reviews of business related credits to ascertain credit quality trends, adequacy of credit administration practices, effectiveness of loan documentation and adherence with established lending policies.
- Ensure assigned risk ratings are appropriate, represent a forward looking view of borrower risk profile and adhere to regulatory risk classification guidance.
- Write and verbally present clear and concise reports of assessment findings and observations with executive management and advise on how to improve effectiveness of credit processes.
- Provide subject matter expertise to senior staff to increase knowledge of underwriting standards, lending policies and regulatory requirements.
Senior Consultant
William Charles (Crowe, LLP contractor)
Baltimore, MD
11.2017 - 09.2020
- Execute independent, risk based assurance review framework to assess adherence to lending policies and underwriting standards and ensure risk rating accuracy for financial institutions as part of an outsourced loan review program.
- Work autonomously to meet engagement scope requirements, provide subject matter expertise on credit related topics and deliver detailed financial analysis and collateral evaluations to identify potential credit risks.
Senior Credit Officer
Wesbanco Bank Inc. (f/k/a Bay Bank)
Lutherville, MD
11.2016 - 07.2017
- Provide effective challenge, review and approve commercial and real estate secured loan requests originated by Baltimore based business development team.
- Present independent assessment of commercial lending transactions to Chief Credit Officer and Loan Committee.
- Maintain strict adherence to lending policies through meticulous underwriting reviews, reinforcing regulatory compliance and risk management.
- Collaborate with key lenders, senior management and loan operations staff to maintain effective credit processes.
Senior Loan Team Manager
Wells Fargo
McLean, VA
01.2016 - 11.2016
- Led underwriting team to provide efficient credit services in support of Private Bank lending goals while adhering to lending policies and maintaining sound underwriting standards.
- Ensure credit/regulatory grades (PD/LGD) accurately reflected a forward looking borrower risk profile and perfected collateral position.
- Review and analyze loan requests up to $15 million credit approval authority.
- Provide expert advice on structuring commercial transaction, optimizing financial solutions in line with regulatory standards.
Senior Credit Manager
Truist Bank (f/k/a SunTrust Bank)
Baltimore, MD
05.2012 - 05.2015
- Direct monitoring for $500 million Commercial Real Estate portfolio through regularly scheduled reviews to identify deteriorating credit trends and recommend actions to mitigate potential loan losses.
- Provide effective challenge and approve complex commercial real estate loan requests up to $50 million risk based lending authority.
- Ensure loan transaction underwriting, structuring, risk rating assignment, pricing and loan documentation adhered to lending policies, defined risk appetite and tolerance limits.
- Participate in business development team meetings to facilitate open dialogue, screen new credit requests and provide early underwriting guidance.
- Present credit requests to line of business executive and risk management team for loan transactions above delegated authority.
Credit Review Manager
Truist Bank (f/k/a SunTrust Bank)
Baltimore, MD
01.2008 - 05.2012
- Manage team accountable for executing an independent, risk based assurance program with coverage responsibility for Private Wealth Management, Equipment Leasing and Municipal Finance.
- Develop annual operating plan based on portfolio composition, identified business and economic trends, regulatory guidance and department procedures.
- Present verbal and written assurance review results to executive management, senior risk executives and regulators.
- Optimize team productivity by managing review assignments, project resource coordination, annual performance evaluations, hiring process and training requirements.
Credit Review Officer
Truist Bank ( f/k/a SunTrust Bank)
Baltimore, MD
05.2005 - 01.2008
- Execute independent, risk based assurance program with coverage responsibility for Commercial & Industrial loan portfolios in Baltimore-Washington, DC MSA.
- Review individual credit files to assess overall credit process effectiveness and accuracy of risk rating and Loss Given Default.
Education
Master of Science - Financial Management
University of Maryland Global Campus
College Park, MDBachelor of Arts - International Relations
Boston University
Boston, MASkills
- Commercial & Industrial, Private Wealth Management, Commercial Real Estate, Equipment Leasing, Municipal Finance and Commercial Credit Review Assurance
- Exceptional written and verbal communication skills
- Team leader with active listening ability
- Adaptive Risk Management expert able to meet changing regulatory compliance demands
- Objective, fact based decision maker
- Formal credit training and credit risk certification
Certification
- Risk Management Association Credit Risk Certification (CRC)
Timeline
Loan Review Senior Manager
Crowe LLP
02.2023 - Current
Loan Review Manager
Crowe, LLP
09.2020 - 02.2023
Senior Consultant
William Charles (Crowe, LLP contractor)
11.2017 - 09.2020
Senior Credit Officer
Wesbanco Bank Inc. (f/k/a Bay Bank)
11.2016 - 07.2017
Senior Loan Team Manager
Wells Fargo
01.2016 - 11.2016
Senior Credit Manager
Truist Bank (f/k/a SunTrust Bank)
05.2012 - 05.2015
Credit Review Manager
Truist Bank (f/k/a SunTrust Bank)
01.2008 - 05.2012
Credit Review Officer
Truist Bank ( f/k/a SunTrust Bank)
05.2005 - 01.2008
Master of Science - Financial Management
University of Maryland Global Campus
Bachelor of Arts - International Relations
Boston University
- Risk Management Association Credit Risk Certification (CRC)
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