Scott Baggett

Credit Review Examiner with 17 years of experience in performing reviews of complex commercial credits across various geographical areas and lines of business including Syndications, Public Finance, Healthcare, Seniors Housing, Special Assets, Government Guaranteed, CRE and others. Provides timely, accurate and comprehensive assessments of credit risk as well as feedback on the adequacy and appropriateness of the credit risk management process.

• Provided detailed reports and presentations to executive leadership on loan review findings and recommendations.
• Managed the review process from start to finish, ensuring timely completion and accuracy of findings.
• Monitored industry trends and regulatory changes to stay abreast of best practices in loan review.
• Reviewed and analyzed loan documents, including financial statements and credit reports.
• Identified and mitigated potential loan risks through proactive monitoring and analysis.
• Conducted detailed financial analysis and risk assessments on commercial loans.
• 5 years of experience as a Senior Underwriter in the Business Banking sector.
• Strong track record of analyzing and evaluating loan applications.
• Proficient in risk assessment and credit analysis.
• Analyzed financial statements and credit reports to assess risk for loan applications.
• Provided financial analysis and recommendations for loan approvals.
• Evaluated collateral and determined appropriate loan-to-value ratios.
• Developed and maintained relationships with clients to ensure satisfaction and retention.

• RMA Credit Analysis
• Proficient in the use of Microsoft Word, Excel, Teams, PowerPoint