Declan Gibbons
Beverly Hills,MI
Summary
Proficient Credit Support Specialist with expertise in commercial real estate credit analysis, covenant tracking, and financial statement spreading. Proven ability to enhance portfolio management and mitigate risks effectively.
Overview
2
2
years of professional experience
Work History
Credit Support Specialist
Comerica Bank
06.2024 - Current
- Support commercial real estate lending teams through credit administration, portfolio maintenance, and risk management functions across a diverse CRE portfolio.
- Prepare and maintain borrower and guarantor risk ratings in DCORR, Hogan and AFS systems in accordance with internal credit policies and portfolio review requirements.
- Prepare financial spreads and assist with analysis of borrower financial statements, operating performance and commercial real estate portfolio reporting.
- Utilize nCino to support commercial lending workflows and ongoing portfolio administration.
- Monitor covenant compliance and assist portfolio managers with ongoing portfolio surveillance, borrow reporting requirements, and exception tracking.
- Assist with annual reviews, risk rating updates, loan renewals, modifications, and borrower monitoring processes.
- Support quarterly reporting and portfolio review efforts.
- Maintain strong working relationships with the commercial real estate loan groups and provide operational and analytical support throughout the loan lifecycle.
Education
Bachelor of Science - Business Administration
Eastern Michigan University
Ypsilanti, MI12.2021
Skills
- Commercial Real Estate Credit Analysis
- Financials Statement Spreading
- Covenant Tracking & Compliance Monitoring
- Microsoft Excel
- 2D Risk Rating Preparation & Monitoring
- nCino
- Hogan
- AFS Vision
- Real Estate Schedule Updating & Maintenance
- Power BI Reporting & Analytics
Timeline
Credit Support Specialist
Comerica Bank
06.2024 - Current
Bachelor of Science - Business Administration
Eastern Michigan University