Michelle E. Hellick

• Forged strong connections within local business communities by attending networking events and actively engaging with key stakeholders.
• Collaborated with internal partners to create comprehensive banking solutions for commercial clients, in addition to conducting account reviews to identify cross-selling opportunities and deepen client relationships further.
• Negotiated favorable terms for commercial loans, resulting in mutually beneficial agreements for both the bank and the client.
• Maintained up-to-date knowledge of industry trends, regulatory changes, and competitor offerings to provide superior service to clients.
• Managed a $38MM portfolio of commercial clients, ensuring their financial needs were met efficiently and effectively.
• Participated on the organization's Volunteer Committee to stay informed about volunteer opportunities and events. Communicated with staff members and represented the organization positively and professionally while providing community with much-needed services.
• Board Member for the Camden County Regional Chamber of Commerce since May 2022, and current Vice Chairperson since June 2025.

Same as above

• Analyze existing and prospective Borrowers and perform detailed credit analysis to maintain the credit integrity of the loan portfolio.
• Maintain compliance and updated knowledge of Banking and credit policy; support new product implementations and ensure compliance to applicable laws and regulations.
• Underwrite loan requests in compliance with Bank standard
• Prepare written financial analysis and credit approval packages for new loan requests, modifications, renewals, and annual reviews
• Act as liaison between Bank and outside vendors; as well as outside verifications and referrals.
• Manage and provide guidance to newly hired interns and staff, while mentoring Credit Analyst I & II.
• Assist with adhoc projects; including system conversions, data integrity, and ACH procedures.

• Prepare criticized loan status reports (CLSR), impairment worksheets & related documentation
• Assist in underwriting renewals, extensions, modifications, forbearance agreements; as well as, review loan documentation. Monitor portfolio loan exposure, including review of monthly maturity reports, daily overdraft activity reports & weekly past due reports.
• Assist the Director of SAD with negotiations with Borrowers and/or attorneys in order to determine workout solutions, restructuring loans and recovering charged-off loans.
• Attend Bi-weekly meetings with Director of SAD, CCO, CRO, and CEO to discuss SAD accounts > $250M
• Assist CCO and CRO with various tasks including, but not limited to, reporting commercial loan portfolio, credit policy, & credit standard exceptions, production, and payoffs.