Nikki Butler
Henderson,KY
Summary
Accomplished credit professional with expertise in credit analysis, regulatory compliance, and team leadership. Proven ability to manage credit pipelines and train junior analysts, ensuring efficient loan processing and adherence to industry standards.
Overview
30
30
years of professional experience
Work History
VP - Credit Department Manager
Field & Main Bank
Henderson, Kentucky
04.2010 - Current
- Managed credit pipeline to ensure efficient processing and approval of loans.
- Analyzed credit applications to assess risk and determine creditworthiness.
- Reviewed and approved ACH and RDC applications
- Collaborated with cross-functional teams to develop credit policies and procedures.
- Supervised staff of 4, comprising 3 credit analysts and 1 loan review specialist.
- Led implementation projects for Sageworks Credit Analysis, Loan Pricing, Allowance, Loan Administration, Analytics/Reporting, and Stress Testing.
- Completed quarterly ALLL/CECL analysis and narrative for regulatory compliance.
- Compiled monthly loan reports for Board meetings.
- Organized loan committee meetings, including preparation of agendas, packets, and minutes.
- Oversaw appraisal process, including ordering appraisals, reviewing appraisals, and payment of appraisal invoices.
- Updated appraisal policy for annual Board approval.
- Monitored industry trends to inform credit risk assessment strategies.
- Assisted in training junior analysts on credit evaluation techniques and best practices.
VP, Commercial Real Estate Portfolio Manager
Fifth Third Bank
Evansville, Indiana
05.2007 - 04.2010
- Presented analyses and recommendations in credit committees, influencing credit proposal decisions.
- Reviewed financial statements to assess borrower creditworthiness and repayment capacity.
- Collaborated with lenders to evaluate loan applications, recommending approval based on comprehensive analysis.
- Conducted market research to stay informed about industry trends affecting credit analysis.
- Prepared reports detailing portfolio performance and delinquency rate trends.
- Supervised Junior Portfolio Manager, fostering development and skill enhancement.
- Provided training sessions for new staff on credit analysis techniques.
- Communicated with clients, ensuring complete documentation.
AVP, Business Banking Officer
Fifth Third Bank
Western Kentucky, Kentucky
12.2005 - 05.2007
- Developed strong relationships with clients to understand their financial needs.
- Assisted clients in selecting suitable loan products and terms.
- Developed and maintained relationships with potential customers to increase loan business.
- Collected past due loans, keeping credit and collateral exceptions within policy ranges.
- Managed pipeline for originated loans through closing and complete required management reports.
- Worked with six (6) Banking Center Managers to help expand their knowledge of commercial loans and the lending process.
Various roles
Fifth Third Bank
Evansville, IN
12.1995 - 12.2005
- 6/2004-12/2005 - Banking Center Manager
- 1/2004-6/2004 - Office Manager
- 3/2003-1/2004 - Completed Retail Associate Training Program and internal supervisory education program.
- 12/98-3/2003 - Credit Analyst/Assistant Credit Manager focusing on small business loans and agricultural loans
- Commercial Loan Documentation Specialist
- Account Maintenance Clerk
Education
Bachelor of Arts - Finance
Murray State University
Murray, KY05-1995
Skills
- Microsoft Office
- Sageworks / Abrigo - Credit Analysis, Loan Administration, Loan Pricing, Stress Testing, Allowance, and Analytics & Reporting
- Jack Henry - Silverlake, Experience, COGNOS, Synergy, Reporting Dashboard
- OnBoard - Board Intelligence Platform
- MortgageBot
- DecisionPro
- Credit analysis
- Market research
- Staff training
- Policy writing
- Regulatory compliance
- Team leadership
- Effective communication
- Analytical thinking
Timeline
VP - Credit Department Manager
Field & Main Bank
04.2010 - Current
VP, Commercial Real Estate Portfolio Manager
Fifth Third Bank
05.2007 - 04.2010
AVP, Business Banking Officer
Fifth Third Bank
12.2005 - 05.2007
Various roles
Fifth Third Bank
12.1995 - 12.2005
Bachelor of Arts - Finance
Murray State University