Sophie Clakley

• Conducted thorough analysis of credit files and loan officer information.
• Prepared financial statements, cash flows, and detailed credit assessments.
• Executed comprehensive financial analyses for entities and individuals.
• Developed inquiries and information requirements for loan officer based on reviews.
• Analyzed individual credit reports to evaluate risk factors.
• Researched industry data and RMA comparisons to support decision-making.
• Reviewed credit files, loan agreements, and policies to ensure compliance.
• Presented analyses and updates at Loan Committee meetings.

* Updated the Bank's Credit Request Form used by all Lender's.

• On the job training participating in bank examinations, meet with bank leadership, and contribute to supervisory recommendations and findings.
• Worked closely with experienced examiners and engage with bank management at all levels.
• Conducted in-depth financial and operational analysis and participate in examinations at national banks and federal savings associations (collectively, banks), as well as OCC offices.
• Performed numerous supervisory activities in majority of the banking areas including capital, earnings, liquidity, sensitivity to market risk, investment portfolio/BOLI, internal controls and audit, compliance, Bank Secrecy Act, Community Reinvestment Act, and data integrity.
• Supervisory activities involve analyzing bank data, formulating questions for bank management, providing recommendations, concluding on the risk rating, completing writing procedures, and presenting findings and risk rating to executive management and directors.
• Participated in the Credit Analysis Basic virtual course that prepared me for the on-the-job Credit Analysis Applied (CAA) workshop. Reviewed credit files for Commercial Real Estate (owner-occupied and non-owner-occupied), Commercial and Industrial (term loan and revolving lines of credit), and Floor Plan loans during the course.

* Completed over 120 hours of various Banking / Examination Training.