Kimberly Clark
Winchester,VA - Virginia
Summary
Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths as well as good organizational and critical thinking skills. Offering 27 years of commercial credit experience. Other related experience includes commercial portfolio management, managing employees, and Chief Compliance Officer
Overview
27
27
years of professional experience
Work History
Regional Commercial Credit Officer
First United Bank & Trust
2015.06 - Current
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments from small business loans to relationships up to $22MM in exposure.
- Mentored and managed a team of three credit analysts for the top performing region of the Bank
- Facilitated $180MM in new loan production in FY22
- Facilitated $126MM in new loan production in FY23
- Improved cross-functional collaboration, working closely with seven (7) commercial relationship managers and four (4) portfolio managers to meet business objectives.
Commercial Credit Analyst
Susquehanna Bank
2012.06 - 2015.06
- Improved loan portfolio quality by conducting thorough financial statement analysis and risk assessments for new loans and annual reviews
- Complete credit analyses on commercial C&I borrowers from various industries and loan types as well as CRE borrowers. Underwriting experience includes, floor plans, asset based lending, acquisition and development loans, construction loans, commercial and residential investment loans, loans to various types of manufacturing companies, loans to the hospitality industry, CCRE, medical professionals, self storage, insurance companies, nonprofits and unsecured lending.
- Reduced potential losses by identifying high-risk borrowers and taking appropriate action to mitigate risks.
- Enhanced customer relationships through effective communication, timely responses, and providing tailored financial solutions.
Commercial Lender
Marathon Bank/United Bank
1997.05 - 2012.06
- Increased loan portfolio growth by developing and maintaining strong relationships with commercial clients.
- Enhanced credit quality by performing thorough financial analysis and due diligence for loan requests.
- Collaborated with underwriters and credit analysts to ensure accurate risk assessment of potential clients.
- Improved customer satisfaction by providing tailored financing solutions based on individual client needs.
Education
VBA School of Bank Management
Charlottesville, VA08.2005
Bachelor of Science - Economics
Shepherd University
Shepherdstown, WV05.1992
Skills
- Financial Statement Review
- Risk Analysis
- Risk Assessment
- Financial Acumen
- Credit Analysis
- Customer Relations
Timeline
Regional Commercial Credit Officer
First United Bank & Trust
2015.06 - Current
Commercial Credit Analyst
Susquehanna Bank
2012.06 - 2015.06
Commercial Lender
Marathon Bank/United Bank
1997.05 - 2012.06
VBA School of Bank Management
Bachelor of Science - Economics
Shepherd University
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