Pamela Behm
Mukwonago,WI
Summary
Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Overview
19
19
years of professional experience
Work History
Credit Review Specialist
US Bank
01.2024 - Current
- Responsible for conducting credit analyses including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers and portfolios
- Monitors customer accounts and/or loan portfolios to identify potential issues and thereby maximize credit quality and minimize the company’s credit risk and potential loss
- Sets up and maintains databases used to analyze accounts and/or portfolios.
Operations Manager - Loan Documentation
US Bank
01.2018 - 01.2024
- Thorough Knowledge of commercial loan closing policies and procedures, funding polices, underwriting requirements, governmental and agency requirements
- Manages daily activities for a team of nine to ensure loan documents are ordered accurately and in a timely manner
- Maximizes team/individual performance by identifying, developing, and enhancing strengths, as well as detecting and resolving issues of individuals through bi-weekly coaching’s and team meetings
- Maintains knowledge of current loan documentation guidelines for agricultural, business, real estate, lines of credit, letters of credit, SBA, and healthcare loans
- Creates and updates desktop guides and standard operating procedures to increase accuracy and efficiency
- Establishes training materials and training for onboarding of new employees
- Processes monthly production numbers and audits to assess team/individual performance.
Loan Documentation Specialist
US Bank
01.2015 - 01.2018
- Provided quality customer service by being sensitive and responsive to the needs of internal and external customers; effectively communicating and resolving discrepancies; responding in a professional and timely manner while maintaining effectiveness when working on time sensitive transactions
- Initiated commercial loan documentation process by requesting and reviewing entity papers, good standing verifications, UCC searches, flood certifications, and title work to ensure accuracy, completeness and compliance with organizational and regulatory policies and procedures
- Excellent problem solving and analysis skill in gathering, analyzing, and interpreting credit information used to determine the underwriting event
- Reviewed rate locks, title insurance, credit approvals, resolutions, trust documents and prior loan documents for accuracy, completeness and compliance with organizational and regulatory policies and procedures.
Pre-Underwriting Assitant Team Lead
US Bank
01.2013 - 01.2015
- Provided training, coaching and support for new and current team members
- Effectively communicated and resolved discrepancies on financial requirements and other daily matters
- Performed daily audits on loans to ensure accuracy for a team of ten
- Managed shared email box for requests from internal customers.
Special Loans Associte
US Bank
01.2008 - 01.2013
- Provided the framework for underwriting platform by ensuring accompanying credit requirements were satisfactory; including researching tax issues, reporting borrower’s existing credit exposure, maintain UCC filings, SOS business status background checks as stipulated by OFAC requirements
- Reviewed financial information to ensure complete packages
- Trained new hires & management & served as backup manager as needed.
Business Banker
US Bank
01.2006 - 01.2008
- Expanded existing customer relationships by cross-selling products and services while providing excellent customer service and sales of financial products to current/non-current US Bank customers
- Developed extensive knowledge of the banking industry, including checking and savings accounts, certificates of deposits, loans and lines of credit, mortgages, investments, and state and federal banking regulation
- Ability to identify and resolve/escalate problems.
Education
B.A. Business & Management -
Alverno College
05.2013
Skills
- Customer Relations
- Expert Problem Solving
- Documentation Management
- Quality Assurance
Timeline
Credit Review Specialist
US Bank
01.2024 - Current
Operations Manager - Loan Documentation
US Bank
01.2018 - 01.2024
Loan Documentation Specialist
US Bank
01.2015 - 01.2018
Pre-Underwriting Assitant Team Lead
US Bank
01.2013 - 01.2015
Special Loans Associte
US Bank
01.2008 - 01.2013
Business Banker
US Bank
01.2006 - 01.2008
B.A. Business & Management -
Alverno College
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