Kimberly Thomas

• Increased loan portfolio growth by developing and maintaining strong relationships prospects and current clients. Business development activities consisted of cold calling, drop ins, communicating with current clients for referrals, and networking with key partners in the market. Maintained ~30 prospect reach outs weekly.
• Maintained open lines of communication with borrowers throughout the life of the loan, addressing any concerns or issues that arose promptly and professionally.
• Collaborated and managed the process of approval from start to finish including underwriting, credit approval, loan closing, document prep and legal.
• Mentored junior lenders in sales techniques, credit analysis, and industry best practices, improving overall team performance.
• Streamlined the loan approval process by effectively presenting cases to loan committees.
• Developed marketing strategies aimed at increasing brand visibility within target industries for commercial lending services.

In 2021 I was promoted and chosen to pilot a team that underwrote and managed the portfolio of the banks riskiest credit clients. This team consisted of only 6 people selected from over a hundred analysts across the Michigan, California, and Texas Markets.

• Managed a diverse commercial loan portfolio, closely monitoring risk and ensuring compliance with bank policies.
• Developed financial models and built out new databases for monitoring clients within the leveraged lending portfolio.
• Financial Modeling and forecasting highly regulated clients that were going through mergers, acquisitions, partner buyout, and highly debt leveraged companies.
• Monthly/ quarterly/ annual reporting and reviews
• Provided training and mentorship to junior bankers, fostering professional growth among team members. Comerica has a national training program that I helped lead and prepared training material for.
• Contributed to business development efforts by participating in client meetings and presentations.
• Improved underwriting efficiency by streamlining processes and implementing new software tools specifically for the leveraged lending team.

I worked primarily with Companies between revenue size of $50 million to multi-billion revenue size companies on underwriting commercial loans.

• Delivered timely, accurate, and insightful financial analyses to guide executive decision-making in both operational and strategic contexts.
• Leveraged financial modeling techniques to predict borrower behavior, supporting more accurate lending decisions. Modeling includes cash flow, margin, forecasting, asset, and risk modeling.
• Enhanced accuracy in financial forecasting by meticulously analyzing past trends and market conditions.
• Established trust with customers through transparent communication about underwriting decisions and rationale behind them.
• Maintained up-to-date knowledge of industry trends and regulatory changes, ensuring FDIC compliance while optimizing business practices.
• Managed high-pressure situations effectively, resulting in mutually beneficial agreements between parties.
• Achieved successful negotiation outcomes by employing effective communication and active listening skills between customer and different departments.

• Delivered timely, accurate, and insightful financial analyses to guide executive decision-making in both operational and strategic contexts.
• Identified and evaluated new investment opportunities with comprehensive financial modeling and risk assessments.
• Leveraged financial modeling techniques to predict borrower behavior, supporting more accurate lending decisions.
• Enhanced accuracy in financial forecasting by meticulously analyzing past trends and market conditions.
• Managed high-pressure situations effectively, resulting in mutually beneficial agreements between parties.
• Achieved successful negotiation outcomes by employing effective communication and active listening skills.

• Financial Reporting for management including p&l, balance sheet, and cash flow analysis.
• Accounts Receivable and Accounts Payable Accounting
• Financial Modeling of past company trends
• Developing Company budgets focusing on seasonal labor and inventory.