Jacob Little
Methuen,MA
Summary
Credit professional with comprehensive experience in credit evaluation and risk mitigation. Recognized for fostering collaboration within teams and delivering reliable results, adapting seamlessly to evolving business needs. Expertise in financial analysis, decision making, portfolio management and client relationship management.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Commercial Credit Officer II
Unity Bank
01.2024 - 01.2025
- Overseeing Commercial Admin Department (11 members) for full procedures including analysis, loan proposals, memos, renewals, portfolio management and modifications. Signing authority of $10MM while approving C&I, CRE and Construction loan requests. Developed Risk Rating and Financial tables for full loan documentation purposes, position was consolidated in 2025.
- Evaluated credit applications to determine approval eligibility and risk assessment.
- Conducted thorough financial analysis to ensure compliance with lending policies.
- Commercial Loan Reviews & Memos for full work flow capacity from origination through to closing procedure
- Document and Covenant Management during origination and post closing
- Monitoring Borrowing Base, Interim Financials & Economic factors during loan cycles
- Led training sessions for staff on regulatory changes affecting credit operations.
AVP Small Business Market Manager
Kearny Bank
01.2023 - 01.2024
- Overseeing small business lending and retail locations (11) in Northern/Central NJ. Responsible for lending production from business revenues of $1 – $25MM as well as production growth of treasury management application services. Overseeing and coaching Managers and RMs to grow portfolios of market. Focusing on C&I/CRE origination and credit requests with full analysis. Department was eliminated end of fiscal year (2024) along with treasury management operations.
- Oversaw compliance with regulatory standards, ensuring adherence to banking policies and procedures.
- Led strategic initiatives to enhance operational efficiency across multiple departments.
- Monitored & Produced Growth of Loan Portfolio for SB client base
- Credit Approval Authority with Risk Rating monitoring on existing portfolio based clients
AVP Regional Business Banking Manager of Market Expansion
Rockland Trust Bank
01.2022 - 01.2023
- Overseeing Expansion market for small business lending within MA/CT/RI market encompassing (15) locations. Performing market management of individual business bankers with loan signing authority. Performing market growth as a individual contributor and leader of market goals. Analysis of loan requests by staff and management. In expansion market approach heavy concentration on owner occupied CRE, Investment CRE, C&I and healthcare lending. Position laid off due to economic situation in 2023 as well as senior executives changing over & retirement.
- Led cross-functional teams to enhance operational efficiency and improve service delivery.
- Developed and implemented strategic initiatives to optimize customer experiences and satisfaction levels.
- Managed Loan Portfolio with Portfolio & Credit Team in excess of $400MM+ monitoring renewals, borrowing base's & restructuring
Regional Business Banking Development Officer
TD Bank
01.2020 - 01.2022
- Commercial Banking associate leading new program throughout New England market. Working under Regional President to help build and develop commercial products of underperforming regions including C&I, CRE, SBA and TM products. Coaching and developing alongside RMM and RVP leaders to improve growth metrics and quality of relationship management.
- Focused on developing existing commercial portfolio's with deepening efforts to expand credit relationships with borrowers
- Managed several SB client portfolios with business analysis, covenant compliance, structuring deals and closing preparation
- Working with credit team members for workflow completion & processing credit requests
Commercial Credit Underwriter II (Contract)
Hanscom Federal Credit Union
01.2018 - 01.2020
- Contract position working within Commercial department to handle new incoming loan requests where full financial analysis, underwriting, spreads and industry analysis to provide loan proposals, renewals and memos. This also including full portfolio management of existing relationships and workout scenarios. Position was fulfilled for full 18 month contract.
- Evaluated credit applications to assess risk and determine approval status.
- Analyzed financial statements and credit histories for accurate underwriting decisions.
- Collaborated with loan officers to ensure compliance with underwriting guidelines.
- Reviewed and interpreted regulatory changes impacting lending policies and procedures.
- Utilized CU LOS/CRM for workflow proceedings through origination and closing process
- Monitored Existing credit portfolios for global DSCR and risk assessments
Commercial Credit Internship
Banking
01.2015 - 01.2018
- Paid Internship as Credit Analyst for incoming commercial loan requests covering full analysis procedures. Learning Industry and regulation requirements and credit policies. Performing narrative proposals before executive loan and board committees. Internship was fully completed for 3 year program.
- Learned full on job duties as a Jr. Portfolio Manager & Credit Analyst covering all aspects from inquiry to closings
- Preformed portfolio analysis with risk assessments, covenant compliances, risk rating modifications & borrowing base monitoring
- Full business financial, collateral & economic analysis to ensure loan requests were within credit policy and bank risk measurables
Education
Master's - Accounting
Rutgers University
11.2025
Bachelor's - Finance & Risk Management
University of Massachusetts Lowell
01.2024
Associate's - Business Administration/Management
Nashua Community College
01.2018
Skills
- Credit analysis
- Risk assessment
- Financial analysis
- Loan underwriting
- Portfolio management
- Regulatory compliance
- Document management
- Covenant compliance
- Commercial lending
- Loan proposal preparation
- Performance monitoring
- Operational efficiency
Accomplishments
- Achieved full department adoption by introducing nCino for Credit Admin tasks.
- Achieved higher rate of closing time by completing workflow management with accuracy and efficiency.
- Supervised credit admin team of 11 staff members.
- Awarded WOW Quartile Performer 6x - TD Bank
- Awarded YMAD Award - Rockland Trust
- Awarded Top Sales Leader 2x - Kearny Bank
- Awarded Community Banker of Year - Greater Worcester Chamber
Certification
- Certificate of Business Credit Analysis (CBCA)
- Financial Risk Manager (FRM)
- Certificate Associate Project Manager (CAPM)
- SBA Lending Certificate
- Portfolio Management Professional (PMP)
- Moody's Analytics Credit Formal Training
- NMLS
Timeline
Commercial Credit Officer II
Unity Bank
01.2024 - 01.2025
AVP Small Business Market Manager
Kearny Bank
01.2023 - 01.2024
AVP Regional Business Banking Manager of Market Expansion
Rockland Trust Bank
01.2022 - 01.2023
Regional Business Banking Development Officer
TD Bank
01.2020 - 01.2022
Commercial Credit Underwriter II (Contract)
Hanscom Federal Credit Union
01.2018 - 01.2020
Commercial Credit Internship
Banking
01.2015 - 01.2018
Bachelor's - Finance & Risk Management
University of Massachusetts Lowell
Associate's - Business Administration/Management
Nashua Community College
Master's - Accounting
Rutgers University