Sylwia Koprowski
Union City,New Jersey
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
12
12
years of professional experience
1
1
Certification
Work History
AVP Credit Analyst III / Underwriter
BCB Bank
07.2022 - Current
- Assisting the Chief Credit Officer in managing and overseeing the credit department's operations.
- Assisting in the development and implementation of credit policies, procedures, and guidelines.
- Assessing the financial risk of lending to corporate clients and preparing credit risk reports.
- Analyzing customer's creditworthiness and making recommendations on granting credit.
- Conducting through financial analysis and evaluating various financial statements and documents.
- Analyzing industry trends, economic factors and market conditions to make informed credit decision.
- Evaluating the credit risk associated with potential customers and recommending appropriate credit limits.
- Monitoring and reviewing the credit portfolio to identify any potential risks or changes in creditworthiness.
- Preparing detailed credit proposal and presenting them to the credit committee for approval.
- Training and mentoring junior credit analysts, providing guidance and support as needed.
- Participating in credit review meetings.
- Performing other duties or projects as assigned by the Chief Credit Officer.
Bank Officer & Senior Credit Analyst
Maspeth Federal Savings Bank
05.2021 - 07.2022
- Utilized strong communication and interpersonal skills to obtain necessary financial information from customers.
- Gathered loan documentation for underwriting.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Assessed credit risk and analyzed financial statements.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Participated in loan committee meetings.
- Maintained compliance with applicable regulations and laws governing consumer credit.
- Prioritized tasks to meet or exceed timelines and supervised multiple responsibilities at same time.
Business Loan Portfolio Specialist II
Polish & Slavic FCU
01.2018 - 05.2021
- Annually review a portfolio of CRE loans secured by multifamily, mixed-use and commercial real estate properties in NY, NJ and Illinois.
- Upon annual review, provide Risk Rating recommendations.
- Maintain databases to monitor financial reporting and other loan covenant requirements to ensure borrower's compliance with the loan agreement.
- Review loan documents, inspection reports, environmental reports and public records associated with the loan and collateral.
- Prepare loan closing packages and ensure fulfillment of the loan conditions prior to closing
- Coordinate mortgage loan closings, issue closing instructions and ensure proper funding and booking of the loans.
- Monitoring environmental status of the collateral real estate properties in the loan portfolio.
Member Business Lending Associate
Polish & Slavic FCU
07.2016 - 01.2018
- Facilitating the preparation of credit underwriting and analysis of existing loans in connection to loan reviews and credit renewals.
- Administrating loan inventory and keeping track loan documentation of the loans in portfolio.
- Monitoring loan covenants and obtaining necessary documents from appropriate parties.
- Conducting proof reading of MBL various documents, forms and correspondence.
- Preparing periodic reports.
Loan Specialist
Polish & Slavic FCU
01.2016 - 07.2016
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Explained very technical financial information to applicants in easy to understand language.
- Guiding member through the application and underwriting process for residential mortgage loans and Home Equity Lines of Credit.
- Collecting necessary loan documentation, performing legal reviews of the documents, underwriting and closing Home Equity Lines of Credit.
- Analyzing borrower's financial statements
Member Service Representative
Polish & Slavic FCU
01.2012 - 01.2016
- Educated and engaged customers with new bank products and services.
- Opened customer accounts and provided deposit and withdrawal receipts.
- Verified customer identification and documentation for compliant transactions.
- Learned internal systems and related service role duties to provide skilled team backup in handling customer demands.
- Responded to customer calls and emails to answer questions about products and services.
- Cross-sold bank services and products to uplift customer investments.
Education
Master's Degree - Law
University of Bialystok
Poland05.2001
Skills
- MS Word, MS Excel, MS Outlook
- FICS Mortgage Service, FICS Loan Producer
- Meridian Link Platform
- LaserPro
- Credit Quest
- EnCompass
Certification
- CCBCA - Certified Community Bank Credit Analyst
- NMLS - Nationwide Multistate Licensing System & Registration
- NYBA - Women in Leadership Summit Conference
- ABA - Women and Allies Leadership Symposium
Languages
Polish
English
Timeline
AVP Credit Analyst III / Underwriter
BCB Bank
07.2022 - Current
Bank Officer & Senior Credit Analyst
Maspeth Federal Savings Bank
05.2021 - 07.2022
Business Loan Portfolio Specialist II
Polish & Slavic FCU
01.2018 - 05.2021
Member Business Lending Associate
Polish & Slavic FCU
07.2016 - 01.2018
Loan Specialist
Polish & Slavic FCU
01.2016 - 07.2016
Member Service Representative
Polish & Slavic FCU
01.2012 - 01.2016
Master's Degree - Law
University of Bialystok
- CCBCA - Certified Community Bank Credit Analyst
- NMLS - Nationwide Multistate Licensing System & Registration
- NYBA - Women in Leadership Summit Conference
- ABA - Women and Allies Leadership Symposium
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