Stacy Johnson
MI
Summary
Experienced professional with a strong background in credit management. Equipped with advanced analytical skills to effectively interpret complex financial data. Skilled in evaluating borrower creditworthiness, providing actionable insights, and recommending tailored solutions to customers based on their specific needs and projected cash flow to debt capacity.
Overview
31
31
years of professional experience
Work History
Senior Portfolio Manager
Michigan Business Connection
06.2021 - Current
- Structure and manage complex loans to meet the needs of corporate customers in a $200MM+ diverse portfolio while minimizing credit risks.
- Effectively analyze data including cashflow and real estate collateral analysis to provide tactical support to the portfolios of loans, recommend loan products, complete annual loan review analysis, retain knowledge of loan policy.
- Daily communication with financial institutions, clients, and internal management to complete approvals and provide feedback regarding credit structure, interest rates and potential issues.
- Develop cash flow analysis and projections, covenant compliance, prepare guarantor and real estate and other collateral analysis and assess and mitigate risk for proper risk grade.
Senior Commercial Underwriter
TCF Bank
02.2016 - 06.2021
- Underwrote and processed $750M to $100MM loan relationships.
- Analyzed financial statements and other data including cash flow statements, real estate collateral, and tax returns, leading to strategic recommendations for loan structuring and risk mitigation which led to informed lending decisions.
- Collaborated with company leaders, lenders, and credit officers to structure financing solutions for loan approvals via feedback regarding credit structure, interest rates, and potential issues with the credit request.
- Prepared financial analysis for new business and renewal loans, spread and analyzed financial statements, developed cash flow analysis and projections, ensured financial ratio compliance, prepared guarantor and real estate and other collateral analysis, assessed and mitigated risk for proper risk.
- Recommended additional collateral to reduce overall risk exposure, resulting in successful loan approval and protection of bank's interests.
Senior Business Banker
Citizens Financial Group
03.2015 - 02.2016
- Relationship Manager for business commercial relationships of up to $5MM.
- Serviced existing customers' lending and depository needs and developed and grew new business through focused prospecting efforts and relationships with referral sources.
- Prepared presentations outlining various banking products and services.
- Analyzed financial statements for potential business customers to assess risk and recommend loan terms.
- Fostered relationships with internal credit partners, branch personnel and leadership to ensure portfolio quality and customer satisfaction.
- Mentored branch team members in best practices related to achieving goals and developing new customer relationships.
Director
Canton Newcomers
09.2011 - 01.2016
- Directed over 20 leaders and groups in a volunteer capacity.
- Managed multiple projects simultaneously while staying within deadlines.
- Coordinated schedules and events, prepared and managed calendar system, ensured all deadline due dates were met, created group budgets, edited & developed content for monthly newsletter, mentored leaders and liaison between groups and the executive team.
- Mentored and coached leaders, enabling them to reach their highest potential.
Corporate Banker
Huntington National Bank
10.2006 - 01.2008
- Relationship Manager of new and existing loan relationships up to $50MM.
- Increased existing and new revenue opportunities 15% during a period of economic uncertainty while maintaining margins and increasing net profit.
- Provided customers with lines of credit, commercial mortgages, equipment financing and leasing, and cross sold treasury and private client services.
- Maintained target promotion for a pilot market program aimed at new business.
- Updated information for sales pipeline, revenue, customers, markets, and competitors to measure performance and support business decisions.
Commercial Banker
JP Morgan Chase
01.1999 - 10.2006
- Relationship and Portfolio Manager for originated and existing corporate loan relationships up to $50MM.
- Exceeded new deposit and revenue and fee income goals by 60% for two consecutive years.
- Proactively identified opportunities and prepared and presented proposals to clients and potential clients, cross-sold core bank products, and networked with various business leaders including CPAs for referrals.
- Analyzed several distressed companies to ensure they were on goal with budget to actual operating expenses and net income and successfully exited those accounts that were not performing.
- Due diligence and credit structure, real estate and other collateral analysis, assessed market trends and internal & external risk; forecasting, and quantitative analysis for ROI and revenue.
Project Manager, Sr. Financial Analyst
JP Morgan Chase
01.1997 - 01.1999
- Successfully managed projects and reports with tight deadlines and limited resources for senior management and executives across all corporate divisions.
- Completed SAP project for profit & cost centers during bank merger & acquisition 14 days prior to deadline and 10% under budget.
- Created large databases and excel spreadsheets for reporting monthly customer profitability; SAP implementation; losses and recoveries; allocated income and costs to company divisions; net present value of future projects, target market programs, and customer relationship profitability
- Reported key performance indicators, financial controls, forecasting, financial reporting and product revenue; profit and cost centers; regression analysis, maintained SAP for actual to budget variance analysis.
Commercial Marketing Underwriter
Amerisure Insurance Companies
01.1994 - 01.1997
- Financial, underwriting, and loss analysis; drafted and presented marketing proposals
- Responsible for driving growth, while building and maintaining strong agency relationships
- Analyzed financial statements, experience modification's, claims, losses, and insurance contracts
- Led service standards and exceeded goals while ensuring all accounts were underwritten in the most efficient manner
- Used CRM, to pivot from worse to best team, company wide, with a55% increase in quality and productivity
Education
MBA - Finance And Marketing
Walsh College
Troy, MI BBA - Accounting And Finance
Western Michigan University
Kalamazoo, MISkills
- Credit Underwriting
- Portfolio Management
- Due Diligence
- Customer Relationship
- Financial Statements
- Cash Flow Analysis
- Forecasting
- Microsoft Excel
- Variance Analysis
- Quantitative analysis
Timeline
Senior Portfolio Manager
Michigan Business Connection
06.2021 - Current
Senior Commercial Underwriter
TCF Bank
02.2016 - 06.2021
Senior Business Banker
Citizens Financial Group
03.2015 - 02.2016
Director
Canton Newcomers
09.2011 - 01.2016
Corporate Banker
Huntington National Bank
10.2006 - 01.2008
Commercial Banker
JP Morgan Chase
01.1999 - 10.2006
Project Manager, Sr. Financial Analyst
JP Morgan Chase
01.1997 - 01.1999
Commercial Marketing Underwriter
Amerisure Insurance Companies
01.1994 - 01.1997
MBA - Finance And Marketing
Walsh College
BBA - Accounting And Finance
Western Michigan University
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