Thomas Speck

• Support preparation of quarterly call report by compiling essential data from diverse sources within bank, sorting, filtering, and formatting data to align with regulatory reporting requirements.
• Assemble internal uninsured deposit data for monthly earnings report and quarterly call report.
• Facilitate gathering, sorting, filtering, and formatting data for the bank's annual summary of deposits report submitted to appropriate regulatory authority.

Performed the following for mainly bank and credit union clients:

• Reviewed documents and accounts for discrepancies and resolved variances.
• Updated general ledger with latest entries.
• Handled month-end and year-end end finances by managing and reporting fixed assets and other data.
• Contributed to hiring, training and development of accounting teams.
• Assisted team members in transitioning to new system through extensive training and one-on-one support.
• Conducted detailed analysis of credit portfolio loans.

• Assessed credit risk and analyzed financial statements.
• Attended credit-related training and conferences to stay informed about industry trends and developments.
• Gathered loan documentation for underwriting.
• Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
• Participated in loan committee meetings to provide input on lending processes.
• Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
• Performed credit reviews on corporations to assess financial conditions.
• Improved understanding of financial statements, which helped in assessing risk.
• Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.