Lindsay Cox
Grand Forks
Summary
Dynamic Credit Analyst Manager with a proven track record at Choice Bank, excelling in team management and credit analysis. Spearheaded operational efficiencies, enhancing risk assessment processes and fostering strong relationships. Successfully led initiatives that improved workflow and supported junior analysts, driving significant portfolio growth and client satisfaction.
Overview
15
15
years of professional experience
Work History
Credit Analyst Manager
Choice Bank
Grand Forks
06.2022 - Current
- Lead a team of credit analysts to enhance operational efficiency within the Choice Bank footprint.
- Assign workload to analysts for credit actions and annual reviews, ensuring timely completion.
- Manage the process of problem loan reports to identify risks, and inform strategic decisions.
- Work on credit actions personally when the workflow requires additional resources.
- Manage relationships within the bank that work directly with the Credit team.
Credit Officer
Choice Bank
Grand Forks
11.2019 - 06.2022
- Worked to build relationships with lenders and support staff.
- Worked closely with the credit managers to work through more complex credit actions.
- Focused on C&I and CRE lending, with limited AG underwriting as needed.
- Build trust within the Credit team to become a resource for junior credit analysts.
Indirect Product Loan Supervisor
Alerus Financial
Grand Forks
05.2017 - 10.2019
- Managed indirect lending portfolio, overseeing 16 dealer relationships and staff performance.
- Underwrote auto loans averaging $18,000, ensuring compliance with lending standards.
- Facilitated internal support across departments to enhance operational efficiency.
- Communicated effectively with clients to address inquiries and maintain relationships.
Small Business Underwriter
Alerus Financial
Grand Forks
06.2014 - 05.2017
- Underwrote and managed credits totaling up to $750,000.
- Ensured collection and recording of proper security documents.
- Assisted in developing efficiencies within department operations.
Indirect Product Loan Specialist
Alerus Financial
Grand Forks
06.2010 - 05.2017
- Established Indirect Lending program, growing portfolio to $20MM within 18 months.
- Serviced dealers through regular visits, strategic meetings, and constructive feedback.
- Underwrote auto loans and processed funding documents efficiently.
Education
BBA - Management And Marketing
University of North Dakota
Grand Forks, ND05-2007
Skills
- Team management
- Customer relationship management
- Credit analysis
- Risk assessment
- Commercial lending
Systems
- Proficient in Horizon XE, nCino LOS and reporting building, and monday.com.
Timeline
Credit Analyst Manager
Choice Bank
06.2022 - Current
Credit Officer
Choice Bank
11.2019 - 06.2022
Indirect Product Loan Supervisor
Alerus Financial
05.2017 - 10.2019
Small Business Underwriter
Alerus Financial
06.2014 - 05.2017
Indirect Product Loan Specialist
Alerus Financial
06.2010 - 05.2017
BBA - Management And Marketing
University of North Dakota
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