HOLLY A. PROCTOR
Commercial Credit Analyst
Bridgewater,MA
Overview
26
26
years of professional experience
Work History
Commercial Credit Analyst
BrightBridge Credit Union
10.2024 - 04.2025
- Analyzed credit data and financial statements to determine loan eligibility and risk assessment.
- Evaluated applicants' credit histories and collaborated with loan officers on lending decisions.
- Developed comprehensive reports detailing credit trends and borrower performance for management review.
- Implemented risk management strategies to enhance portfolio quality and mitigate potential losses.
- Performed credit reviews on corporations to assess financial conditions.
- Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Enhanced loan portfolio quality by conducting detailed credit risk assessments on potential borrowers.
- Participated in loan committee meetings to provide input on lending processes.
- Gathered loan documentation for underwriting.
- Made decisions and recommendations about extending lines of credit.
Consumer Credit Counselor
American Consumer Credit Counseling
07.2023 - 02.2024
- Advise, counsel and provide guidance to consumers with debt management which they are having an issue keeping up with payments required to repay such debts.
Senior Commercial Credit Analyst
Bristol County Savings Bank
08.2022 - 02.2023
- Prepared comprehensive and timely written credit analyses that included financial analyses of borrowers and/or guarantors’ financial information, collateral valuations, risk assessment and recommendation for credit grade and loan structure. Conducted research of industry specific information from outside sources, online, etc. Responsible for pulling credit reports, OFACs, and flood certificates as necessary.
- Assisted in loan portfolio and borrower assessments by obtaining and reviewing current financial information, preparing financial and credit information. Conducted research of industry specific information from outside sources, online, etc. Contributed to timely completion of loan audits by conducting annual review of credit files to ensure financial information and credit analyses were current, complete and accurate.
- Adhered to Bank policies and procedures and performed all functions in compliance with commercial lending rules and regulations.
Commercial Credit Manager / Vice President
Coastal Heritage Bank
04.2020 - 06.2021
- This position reported to the Senior Commercial Loan Officer. Prepared comprehensive credit analyses for commercial borrowers, assessing existing/new commercial accounts, completed annual credit file audits, and completed special assignments, projects and reports.
- Demonstrated a commitment to the Bank’s mission to ensure that the Commercial Credit Department was striving toward a common purpose of serving borrowers at the highest professional level.
- Prepared comprehensive and timely written credit analyses that included financial analyses of borrowers and/or guarantors’ financial information, collateral valuations, risk assessment and recommendation for credit grade and loan structure.
- Conducted research of industry specific information from outside sources, online, etc.
- Assisted in loan portfolio and borrower assessments by obtaining and reviewing current financial information, preparing financial and credit information.
- Contributed to timely completion of loan audits by conducting annual review of credit files to ensure financial information and credit analyses were current, complete and accurate.
- Effectively communicated with lending staff. Provided information regarding loan status, credit inquiries, and requested additional information, or assisted in solving problems.
- Improved loan portfolio quality by conducting comprehensive credit analyses and risk assessments for potential clients.
- Championed a strong risk management culture, ensuring adherence to regulatory requirements and promoting ethical lending practices across the organization.
- Enhanced operational efficiency by developing internal controls and procedures for managing the commercial lending process from origination through servicing.
- Evaluated complex credit requests, demonstrating sound judgement when making recommendations that balanced risk with revenue potential for the organization.
- Conducted regular portfolio reviews, identifying areas of concern and taking corrective action as needed to mitigate potential losses.
- Coordinated cross-functional teams to ensure seamless execution of credit initiatives, fostering a culture of collaboration and accountability.
- Streamlined credit approval processes, reducing decision timeframes and enhancing customer satisfaction levels.
- Mentored junior team members, sharing best practices in credit management and fostering a positive work environment built on collaboration and continuous improvement.
- Managed credit risk effectively by implementing strict underwriting guidelines and monitoring the performance of existing loans.
- Optimized workflows within the credit department by regularly reviewing processes for efficiency gains and implementing improvements where necessary.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Reviewed and analyzed loan procedures.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Led organizational change initiatives that transformed company culture and improved employee engagement levels.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Performed credit reviews on corporations to assess financial conditions.
- Demonstrated proficient leadership skills to motivate employees and build competent teams.
Senior Commercial Credit Analyst
Coastal Heritage Bank
04.2019 - 03.2020
- Developed financial models to assess credit risk and enhance decision-making processes.
- Analyzed financial statements to evaluate borrowers' creditworthiness.
- Recommended credit limits based on detailed risk assessments.
- Collaborated with lending teams to structure competitive loan packages.
- Reviewed portfolio performance, identifying trends and potential risks.
- Mentored junior analysts in financial analysis techniques and tools.
- Streamlined credit review processes, improving efficiency and accuracy.
- Ensured regulatory compliance in all credit-related activities by staying updated on industry best practices and adhering to internal policies.
- Assisted colleagues in resolving complex credit issues through sharing expertise, experience, and knowledge of banking regulations.
Commercial Credit Analyst
Coastal Heritage Bank
02.2013 - 03.2019
- Analyzed financial statements to evaluate credit risk and assess borrower eligibility.
- Conducted in-depth credit assessments and risk analysis for commercial lending decisions.
- Improved loan portfolio quality by conducting thorough financial statement analysis and risk assessments.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Assessed credit risk and analyzed financial statements.
- Managed a diverse portfolio of commercial loans, consistently meeting or exceeding performance targets.
- Mitigated financial risks through consistent monitoring of existing loan accounts and recommending adjustments as necessary.
Senior Commercial Credit Analyst
South Coastal Bank (NKA MountainOne)
04.2010 - 01.2013
- Prepared proposals for Small to Mid-Size Commercial loan requests, anywhere from $100M to $5MM, including but not limited to Commercial Mortgages, Commercial Construction, Commercial and Industrial as well as Working Capital Revolving Lines of Credit.
- Analyzed financial statements, management profiles, business/product cycles, historical operating performance and cash flow ability to develop an assessment of credit risk.
- Prepared and reviewed in depth written analyses for relationships of various size and complexity, ensuring that the completed product was in compliance with applicable laws, regulations and guidelines, as well as policies specific to the Bank.
- Researched industry specific information from outside sources, including conversations with the Borrower, industry publications, credit agencies, as well as accessing information through online resources.
- Performed all analysis and research required for the annual review of all Borrowers’ credit relationships as well as the annual reviews/renewals of all Working Capital Revolving Lines of Credit.
- Carried out necessary covenant testing, such as DSC or leverage tests, which in some cases may be required on a quarterly basis, as well as annually.
- Tracked the receipt/non-receipt of all financial items required by the Bank from each of its Borrowers.
- Maintained the Borrower’s credit files, ensuring that all financial items received had been placed in the file, that there were recent credit file memos present and that the files were complete and updated. This was done in an effort to give the Bank the best chance of receiving positive feedback from both inside and outside auditors that may be reviewing the files any time during the year.
Senior Commercial Credit Analyst
First Trade Union Bank (NKA Radius Bank)
03.2009 - 03.2010
- Prepared proposals for Small to Mid-Size Commercial loan requests including but not limited to Commercial Mortgages, Commercial Construction, Commercial and Industrial, Letters of Credit and Working Capital Lines of Credit.
- Analyzed financial statements, management profiles, business/product cycles, historical operating performance and cash flow ability to develop an assessment of credit risk.
- Provided day-to-day support to lower level analysts.
- Prepared and reviewed in depth written analyses for relationships of various size and complexity, ensuring that own work, as well as work of lower level analysts, was in compliance with applicable laws, regulations, guidelines, and policies.
- Performed in-depth projection financial analysis, including "what-if" scenarios that test the reasonableness of the projections provided to the Company, and constructs next year's performance when not provided.
- Researched industry specific information from outside sources, including conversations with the borrower, industry publications, credit agencies, as well as accessing information through online resources.
Portfolio Manager
Sovereign Bank (NKA Santander)
01.2008 - 02.2009
- Managed a portfolio of commercial clients throughout the credit process, ranging in borrowing needs of $500M to $10MM.
- Analyzed companies’ financial statements and structured loan proposals in accordance with the Bank’s underwriting policy as well as the borrower’s needs.
- Analyzed management profiles, business/product cycles, historical operating performance and cash flow ability to develop an assessment of credit risk.
- Attended Quarterly Review meeting for assigned loan portfolio.
- Maintained regular customer contact with borrowers to assure satisfaction with all Sovereign Bank services.
Commercial Credit Analyst - Officer
Citizens Bank of Massachusetts
03.1999 - 12.2007
- Prepared accurate, well organized analysis of commercial borrowers to allow Relationship Manager to determine the borrowers’ ability to meet debt service.
- Assisted with managing the existing portfolio of customers through verification and analysis of financial and collateral information.
- Performed detailed research and analysis on customers, guarantors, as well as industry and economic conditions.
- Prepared relationship data on commercial customers/prospects and accurately identify total bank exposure.
- Performed covenant compliance verification.
- Reviewed legal documentation for adherence to all significant loan terms and conditions.
Education
Financial Analyst Course - Financial Analysis
Citizens Bank
Accounting/Finance
New England College of Finance
General Studies
Boston English High School
Summary
Credit professional with extensive experience in analyzing credit data and financial statements to assess risk and ensure compliance with lending standards. Known for collaborative approach and delivering results that align with company goals. Reliable and adaptable, possessing strong analytical skills and attention to detail. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Demonstrates strong analytical, communication, and teamwork skills, with proven ability to quickly adapt to new environments. Eager to contribute to team success and further develop professional skills. Brings positive attitude and commitment to continuous learning and growth. Detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives.
Skills
- Underwriting
- Credit risk assessment
- Time management abilities
- Credit analysis
- Portfolio management
- Oral and written communications
- Professional demeanor
- Risk assessment
- Adaptability and flexibility
- Financial statement review
- Analytical thinking
- Critical thinking
- Loan underwriting
- Debt service models
- Financial reporting
- Task prioritization
- Attention to detail
- Collateral valuation
- Debt structuring
Timeline
Commercial Credit Analyst
BrightBridge Credit Union
10.2024 - 04.2025
Consumer Credit Counselor
American Consumer Credit Counseling
07.2023 - 02.2024
Senior Commercial Credit Analyst
Bristol County Savings Bank
08.2022 - 02.2023
Commercial Credit Manager / Vice President
Coastal Heritage Bank
04.2020 - 06.2021
Senior Commercial Credit Analyst
Coastal Heritage Bank
04.2019 - 03.2020
Commercial Credit Analyst
Coastal Heritage Bank
02.2013 - 03.2019
Senior Commercial Credit Analyst
South Coastal Bank (NKA MountainOne)
04.2010 - 01.2013
Senior Commercial Credit Analyst
First Trade Union Bank (NKA Radius Bank)
03.2009 - 03.2010
Portfolio Manager
Sovereign Bank (NKA Santander)
01.2008 - 02.2009
Commercial Credit Analyst - Officer
Citizens Bank of Massachusetts
03.1999 - 12.2007
Financial Analyst Course - Financial Analysis
Citizens Bank
Accounting/Finance
New England College of Finance
General Studies
Boston English High School
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