Responsible for servicing commercial loan portfolio of $150MM+ including annual reviews, covenant monitoring, and collection/analysis of financial statements.
Underwrite potential deals and determine potential borrower's DSCR, DTI, generate and analyze spreads, etc.
Prepare and present approvals to Commercial Lenders, Regional President, and Senior Credit Officers.
Work closely with credit analysis team to structure commercial deals.
Relationship Banker
Encore Bank
Jonesboro, AR
08.2020 - 08.2021
Responsible for generating and presenting depository and loan reports to senior management weekly.
Interviewed customers to obtain information needed for opening new accounts.
Presented new and additional products and services to existing customers.
Processed customer requests for statements, ordering additional checks and updating customer personal information in database.
Commercial Lending Intern
Centennial Bank
Jonesboro, Arkansas
08.2019 - 12.2019
Gained a well-rounded understanding of the commercial lending and retail departments
Shadowed the Vice President of Commercial Lending and sat in on loan committee meetings
Spent time in various departments including credit analysis, model risk management, real estate appraisal, trust services, and business development
Assisted with the implementation of Christmas Club Savings, a major seasonal project.