Summary
Overview
Work History
Education
Skills
Timeline
Generic

Michael Short

VP, SBA Senior Credit Underwriter
Atlanta,GA

Summary

Detail-oriented and analytical with over nine years of professional experience in finance, with eight years in Small Business Administration (SBA) Lending as a Portfolio Manager and Underwriter. Help with the development of new SBA loans through credit analyses, monitor payment records and maintain working relationship with new and existing borrowers. Focused on providing exceptional customer service and promoting a positive work environment. Analytical professional with strong background in financial modeling and risk management. Skilled in providing financial consultations and solutions for businesses of all sizes. Astute candidate develops new strategies and processes to optimize financial operations.

Overview

9
9
years of professional experience
3
3
years of post-secondary education

Work History

VP, SBA Senior Credit Underwriter

Cadence Bank
Atlanta, GA
1 2020 - Current
  • Prepare written credit memos for credit committee utilizing nCino for new loan requests of SBA 7a loans for business and commercial real estate acquisitions, construction, and franchise start-ups, addressing SBA eligibility and credit risks
  • Attend and participate in vetting and credit approval discussions and decisions
  • Communicate with borrowers and lenders to collect necessary information for loan requests to be understood and properly underwritten
  • Provide guidance and assistance with the structuring of new loan requests for lenders and prospective customers
  • Analyze borrower's repayment ability based on their income statement and balance sheets in understanding cash flow, collateral analysis, industry risk, and credit reports, screening out non-target deals early and efficiently
  • Spread business and personal financials in Moody's Analytics to view trends in financial performance.

AVP, SBA Portfolio Manager

Ameris Bank
Atlanta, GA
12.2015 - 01.2020
  • Successfully managed a portfolio of over 150 SBA and USDA loans with little-to-no past due payments
  • Actively called on and collected necessary financial information for annual reviews and monitoring for assigned portfolio to conduct risk analysis and evaluate portfolio performance, completing the most annual reviews each year for the SBA Portfolio Manager group
  • Utilized proven decision-making ability to provide appropriate servicing actions or changes in terms for existing customers
  • Leveraged solid organizational, multi-tasking, and prioritization skills to manage and review documents for the approval of loan proceeds for disbursements
  • Interacted with customers on a daily basis, providing exceptional customer service at all times.

Credit Analyst for Commercial Business Loans

United Community Bank
Lawrenceville, GA
03.2015 - 12.2015
  • Underwrote loans for new and existing relationships including providing details for industry risks, background history, and financial analysis
  • Spread financials in Baker Hill for new and existing relationships to assess credit worthiness, effectively presenting information to senior management for review
  • Read, analyze, and interpret financial statements to create Global Cash Flow Analysis to determine debt repayment position and assess institutional ability to service debt.

Education

Bachelor of Science in Management -

Clemson University
Clemson, SC
08.2011 - 08.2014

Skills

Problem-Solving

Multitasking

Excellent Communication

Team Collaboration

Attention to Detail

Financial Analysis

Analytical Skills

Debt Restructuring

Credit analysis

Cash Flow analysis

Financial statement analysis

Loan structuring

Teamwork and Collaboration

Proficient in SPARK, nCino, Moody's Analytics, Credit Lens

Timeline

AVP, SBA Portfolio Manager

Ameris Bank
12.2015 - 01.2020

Credit Analyst for Commercial Business Loans

United Community Bank
03.2015 - 12.2015

Bachelor of Science in Management -

Clemson University
08.2011 - 08.2014

VP, SBA Senior Credit Underwriter

Cadence Bank
1 2020 - Current

Similar Profiles

CREATE PROFILE
Michael ShortVP, SBA Senior Credit Underwriter