JOYCE GERMANO
PURCELLVILLE,VA
Summary
Dynamic professional with a proven track record in growing, maintaining, and managing client portfolios and relationships, complemented by expertise in conducting thorough risk assessments and audits. Strong ability to synthesize complex information and client needs into actionable solutions, ensuring alignment with organizational goals while upholding rigorous internal controls. Committed to delivering exceptional client service and fostering long-term partnerships that drive mutual success. Adept at navigating challenges and implementing strategies that enhance operational efficiency and client satisfaction.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Associate Vice President Account Manager
National Rural Utilities Cooperative Finance Corporation
08.2018 - Current
- Manage and grow $1.8 Billion credit portfolio of electrical cooperatives across four states
- Originate and perform analysis on credit, including underwriting and loan documentation customized to each borrower
- Build member relationships by consulting on current and future financial needs and abilities while providing top tier customer service and satisfaction
- Complete ongoing review of loan portfolio and reassess member financial performance and risk ratings
- Service loans and release funds as needed based on member needs
- Train and coach Credit Analysts on job responsibilities
Credit Analyst
National Rural Utilities Cooperative Finance Corporation
11.2016 - 08.2018
- Supported Associate and Regional Vice Presidents in preparing and cultivating new loan production
- Performed audit reviews and prepared risk rating of financial statements
- Analyzed financial statements and prepared credit recommendations for new loan proposals in support of Vice President Team
- Communicated directly with cooperatives to obtain and relay information for requested financial needs
- Assisted in attracting and growing member relationships
Sales and Use Tax Analyst
Interstate Hotels and Resorts
03.2015 - 11.2016
- Managed portfolio of 30 hotels across the US to produce proper state and local tax filings
- Led internal audits for sales and use tax department
- Worked with hotel finance staff and filed their monthly sales and use tax filings
- Collaborated with external auditors to produce proper tax assessments and filings
- Trained hotel upper management on process and procedure for tax filings
Lead Teller
Wells Fargo
05.2012 - 03.2015
- Oversaw branch Teller operations achieving complete compliance during internal audits
- Maintained bank teller responsibilities while acting as Security Officer for branch
- Trained and managed employees in operations
- Assisted in regional compliance audits working with Regional Compliance Consultant
Education
Omega Performance - Financial Accounting for Lenders, Commercial Loans to Businesses
Dale Carnegie High Impact Presentations Program - undefined
MBA - undefined
University of Miami
01-2020
Bachelor of Science - Finance
George Mason University
01-2013
Skills
- Portfolio Management
- Commercial Lending
- Relationship Management
- Customer Service
- Risk Assessment
- Underwriting
- Operations
- Auditing
- Leadership
- Cross-functional communication
- Influencing and negotiating
- Cross-functional collaboration
Websites
Accomplishments
-Completed MIP Program
-Leveraged AI to streamline underwriting process
-Present Debt Management for CFPC
-Present Products and Services for New CFO Orientation
-Presented about PMG Products as an E3 Scorecard Initiative
Certification
MIP Certificate
Timeline
Associate Vice President Account Manager
National Rural Utilities Cooperative Finance Corporation
08.2018 - Current
Credit Analyst
National Rural Utilities Cooperative Finance Corporation
11.2016 - 08.2018
Sales and Use Tax Analyst
Interstate Hotels and Resorts
03.2015 - 11.2016
Lead Teller
Wells Fargo
05.2012 - 03.2015
Dale Carnegie High Impact Presentations Program - undefined
MBA - undefined
University of Miami
Bachelor of Science - Finance
George Mason University