Jeremiah Brown
Pelham
Summary
Experienced Credit Risk Review Advisor and Commercial Underwriter with a track record of over 14 years in conducting complex analyses to optimize processes and bolster business operations. Recognized for identifying key trends and utilizing analytical skills to generate impactful reports that drive profitability and operational success. Committed to data-driven decision-making, solution implementation, and continuous improvement initiatives that yield growth. Possesses strong communication, time management, and negotiation skills, effectively managing multiple tasks under pressure.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Credit Risk Review Advisor
PNC BANK
09.2024 - Current
- Experienced credit risk professional with deep expertise in credit analysis, risk assessment, and portfolio management. Committed to improving credit quality, strengthening risk controls, ensuring regulatory compliance, and proving strategic insights to support sound credit decision aligning with the Bank's credit appetite.
- Executes file review assessment on moderately complex credit and credit related transactions, including credit facility structures and underwriting processes, within the context of credit policies and credit procedures.
- Understands inherent risk and the materiality of risk for credit transactions.
- Validates scorecard risk ratings and borrower credit administration.
- Ensures understanding of portfolio issues, trends, and root causes in order to manage credit portfolios effectively.
- Complete work papers by evaluating credit approvals and supporting loan documentation with having awareness of relevant issues, documenting any findings, and following up on exams finding with the line of business with minimal guidance.
- Communicates credit risk reviews plans and objectives for review, effectively.
- Robust understanding of the credit cycle and economic indicators' impact on key driving metrics. Demonstrates significant knowledge of where and how to leverage industry/economic research tools into the review.
Commercial Underwriter IV
PNC BANK
01.2018 - 09.2024
- Communicate effectively with loan administration, loan documentation & funding control, relationship managers, and other departments involved in the loan process, generating suggestions, and participating in problem-solving activities to support teamwork.
- Consult and assist relationship managers in identifying borrower needs, determining appropriate commercial loan products based on needs, and obtaining requisite financial information.
- Examine credit requests, business credit scores, business reports, and consumer bureaus; review credit opportunities with total credit exposure of $10MM+, ensuring full understanding before outlining all options to the client.
- Obtain and analyze pertinent financial and credit data to assist in determining the risk of a loan by evaluating collateral adequacy, industry risk, purpose, and viability of a business.
- Mentors junior level underwriters with underwriting credit policy and managing portfolios by identifying weaknesses and mitigating risk within the credit structure.
- Coaches junior level underwriters on processes that help with the understanding of written loan policies and guidelines.
- Assist junior level underwriters in dual risk ratings and provides associates guidance to appropriate risk rating policies.
- Perform a comprehensive analysis of the financials and repayments of the loan, paying particular attention to cash flow, liquidity, and leverage, ensuring all underwriting conditions and approval requirements are satisfied.
Small Commercial Underwriter
CADENCE BANK
03.2014 - 01.2018
- Analyzed the strengths and weaknesses of each loan request by reviewing the balance sheet, income statement, tax returns, business plans, projections, and personal financial statements independently to determine whether the borrower can generate income and cash flow to repay existing and proposed loan debt.
- Provided credit summaries, commercial authorization memos, and commercial credit approvals, including the risk level involved in extending credit or lending money to requests within and above authorized credit limits.
- Examined credit prospects and renewed existing loans with a maximum credit exposure of $2.5M+, ensuring applications were accurate and identifying borrower needs, and selecting appropriate loan products.
- Prepared financial statements and generated financial ratios to evaluate customer's financial status; identified relevant financial documents needed for accurate underwriting, ensuring compliance with bank policies, procedures, and regulations.
- Assessed loan requests for risk grade (new and renewal) and made credit decisions within the given credit authority of $500,000 by determining relevant financial documents.
Credit Analyst
CADENCE BANK
09.2010 - 03.2014
- Prepared commercial credit approval to explain loan requests, analyze borrowers and guarantors, assign risk ratings, and ensure each loan request met policy guidelines.
- Ensured receivables were in good standing by reviewing customer files regularly and creating cash flow, liquidity, and leverage tables based on financial statements and tax returns.
- Developed pricing models using risk-adjusted return on capital (RAROC) and return on assets (ROA) and provided profitability ratios to measure how well the company generates profits from its assets.
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
- Participated in all required training for compliance and improved understanding of financial statements, which helped assess risk.
Consumer Banker/Teller
CADENCE BANK
05.2009 - 09.2010
- Achieved thorough knowledge of bank products and services and focused on pricing, policies, and government regulations; opened checking and saving accounts for individuals and businesses.
- Provided consumer-based lending services from taking applications to closing loans by seeking out new loan opportunities.
- Demonstrated expertise and sales skills in consumer lending and deposit products, creating a system for efficiently following up with new and existing clients by phone, mail, and email.
- Identified and made sales referrals and delivered accurate and professional customer service, resulting in customer satisfaction.
Education
Bachelor - Business Administration, Major in Banking and Finance
MISSISSIPPI STATE UNIVERSITY
Starkville, MSSkills
- Credit risk expertise
- Risk assessment and mitigation
- Expertise in financial services
- Portfolio and financial oversight
- Financial modeling skills
- Underwriting and loan origination
- Consumer lending strategies
- Exceptional customer service
- Proficient in Moody's analytics
- Knowledge of banking operations
- Microsoft Office Suite proficiency
- Understanding of credit products
- Team collaboration abilities
- Problem-solving skills
- Strategic thinking capabilities
- Effective communication skills
- Attention to detail focus
- Decision-making proficiency
- Written communication skills
- Time management expertise
Certification
Mississippi Bankers Association, Ridgeland, MS, 01/01/11, Analyzing Financial Statements and Tax Returns
Volunteer Experience
Volunteer, Big Brothers Big Sisters of Greater Birmingham, Birmingham, AL
Timeline
Credit Risk Review Advisor
PNC BANK
09.2024 - Current
Commercial Underwriter IV
PNC BANK
01.2018 - 09.2024
Small Commercial Underwriter
CADENCE BANK
03.2014 - 01.2018
Credit Analyst
CADENCE BANK
09.2010 - 03.2014
Consumer Banker/Teller
CADENCE BANK
05.2009 - 09.2010
Bachelor - Business Administration, Major in Banking and Finance
MISSISSIPPI STATE UNIVERSITY