Tasha Richer
Columbus,OH
Summary
Results-oriented SBA Operations Manager specializing in compliance, strategic planning, and team collaboration. Demonstrated expertise in implementing processes that optimize operational efficiency and fostering staff development to meet organizational objectives. Dynamic SBA Operations Manager with a proven track record in implementing processes to enhance SBA compliance and mentoring teams. Skilled in financial evaluation and special asset loan management, contributing to long-term strategic initiatives and operational success.
Overview
24
24
years of professional experience
Work History
SBA Operations Manager
Park National Bank
Columbus, OH
11.2018 - Current
- Established department processes to ensure SBA compliance in loan documentation and servicing procedures.
- Mentored new employees on SBA products and policies to enhance knowledge retention.
- Directed training and support for SBA loan closers and administrators, resulting in improved performance.
- Collaborated with management on strategic planning initiatives to optimize SBA operations.
- Tracked quarterly risk and portfolio performance to maintain acceptable PARRiS scores, identifying high-risk behaviors. Reduced score from 36 to 29.
SBA Business Loan Underwriter
First Commonwealth Bank Corporation
Powell, OH
05.2018 - 11.2018
- Evaluated loan applications for compliance with bank and SBA credit policies.
- Analyzed borrower financial data to determine creditworthiness and associated risk levels.
- Recommended loan approvals or denials based on comprehensive assessment of applicant's strengths and weaknesses.
SBA Loan Specialist
CIBM Bank
Columbus, OH
01.2017 - 05.2018
- Facilitated underwriting process for SBA 7a loan requests to enhance approval efficiency.
- Developed marketing materials and targeted mailing lists to generate loan applications in specific industries.
- Collected required documentation from borrowers to ensure compliance with bank and SBA standards.
- Coordinated with external partners to secure appraisals and valuations aligned with SBA policies.
SBA Business Loan Underwriter
Delaware County Bank & Trust
Powell, OH
11.2015 - 01.2017
- Evaluated loan applications for compliance with bank and SBA credit policies.
- Analyzed borrower financial data to assess creditworthiness and associated risks.
- Recommended loan approvals or denials based on comprehensive risk analysis of applicants.
SBA Business Loan Underwriter
Midwest Business Capital
Columbus, OH
04.2012 - 11.2015
- Underwrote SBA government guaranteed 7(a) loans for funeral home, dental, medical, and insurance sectors.
- Evaluated financial statements and business plans to assess industry trends and risks.
- Analyzed creditworthiness of businesses seeking financing for acquisitions or refinancing debts from $400,000 to $5,000,000.
Special Assets Officer
Wesbanco
Columbus, OH
01.2010 - 04.2012
- Developed and structured workout strategies for troubled loans to maximize bank recovery.
- Conducted meetings with borrowers to negotiate payment plans and solutions.
- Oversaw litigation and liquidation processes for assets of defaulted businesses.
- Recommended credit downgrades, non-accruals, and charge-offs based on thorough analysis.
Special Assets Officer, Senior
Huntington National Bank
Columbus, OH
10.2007 - 01.2010
- Developed workout strategies for substandard SBA guaranteed and conventional loans through borrower meetings.
- Structured new payment plans, secured additional collateral, and negotiated offers in compromise.
- Analyzed credit situations to determine charge-offs and non-accruals while calculating reserve requirements.
- Collaborated with attorneys for litigation and asset liquidation of defaulted businesses.
Business Loan Underwriter
Huntington National Bank
Columbus, OH
11.2005 - 10.2007
- Analyzed business financials to assess credit risk for conventional and SBA loan applications.
- Structured new loan requests and restructured existing loans up to $5 million in exposure.
- Identified strengths and weaknesses in credit requests, recommending appropriate mitigants.
- Authorized loan approvals based on comprehensive risk assessments and financial analysis.
SBA Portfolio Manager
Huntington National Bank
Columbus, OH
07.2002 - 11.2005
- Acted as primary liaison between bank and SBA district offices, servicing centers, and National Guaranty Purchase Center.
- Monitored delinquency, liquidation, and purchase activities in SBA portfolio, providing detailed reports.
- Analyzed business financials to develop workout solutions for servicing and new money requests.
- Created and delivered training programs for Special Assets department on managing SBA troubled loans.
Education
Associate of Applied Science - Respiratory Therapy
Columbus State Community College
Columbus, Ohio, OHSkills
- SBA compliance
- Loan underwriting
- Risk analysis
- Financial evaluation
- Special asset loan management
- Strategic planning
Timeline
SBA Operations Manager
Park National Bank
11.2018 - Current
SBA Business Loan Underwriter
First Commonwealth Bank Corporation
05.2018 - 11.2018
SBA Loan Specialist
CIBM Bank
01.2017 - 05.2018
SBA Business Loan Underwriter
Delaware County Bank & Trust
11.2015 - 01.2017
SBA Business Loan Underwriter
Midwest Business Capital
04.2012 - 11.2015
Special Assets Officer
Wesbanco
01.2010 - 04.2012
Special Assets Officer, Senior
Huntington National Bank
10.2007 - 01.2010
Business Loan Underwriter
Huntington National Bank
11.2005 - 10.2007
SBA Portfolio Manager
Huntington National Bank
07.2002 - 11.2005
Associate of Applied Science - Respiratory Therapy
Columbus State Community College