Credit Analyst/Portfolio Manager Resumes in US-Virginia: Natalie

Credit Analyst/Portfolio Manager Resume

Contact Candidate

Name:

Natalie

Location:

US-Virginia

Experience:

Most Recent Job Title:

Credit Analyst/Portfolio Manager

Objective:

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Resume Text:

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COMMERCIAL BANKING PORTFOLIO MANAGER

SUMMARY PROFILE

Exceptionally detailed, organized and highly accurate professional, with a history of effectively managing an active workload. More than 14 years of experience in both retail and commercial banking; knowledge of federal banking regulations and commercial lending policies, procedures, practices and techniques; an enhanced ability in financial analysis and assessing credit risk. Developed into an analytical and creative problem solver, with a knack to work effectively in both team-oriented and self-directed environments. Equipped with solid organizational capabilities coupled with excellent verbal and written communication skills. Quick in learning new skills and generating positive results.

KEY STRENGTHS

Credit Risk Assessment

Detailed Financial Statement Analysis

Relationship Building

Cash Flow Management

Out-of-the-Box Thinking Approach

New Account Development

Client Needs Assessment

Individual Client Consultation

Financial Spreading System

CAREER OVERVIEW

CITIZENS BANK - Vienna, VA (formerly Mellon Bank)

ASSISTANT VICE PRESIDENT, PORTFOLIO MANAGER 2007-Present

- Perform underwriting activities on new credit for both new and existing customers, including syndicated transactions as well as public and private middle market clientele.

- Effectively manage $200M loan portfolio consisted of annual credit reviews, quarterly covenant compliance, receipt of financial information.

- Work closely with clients; provide loan-processing support from application through closing that includes assessment of loan documents.

- Execute credit risk assessment on customers’ financial statements to determine current status of documented loan covenants.

- Conduct and prepare annual analysis on all customers to identify mitigating factors for the risk of the credits.

- Administer credit files to ensure accurate and current information of financial statements, agency reports, compliance certificates and other required financial data that is crucial for credit agreements.

BANKING OFFICER, CREDIT ANALYST 2004-2007

- Assessed complex financial statements and documented findings, which included independent recommendations on advisability of granting credits for corporate lenders.

- Reviewed and analyzed pro-forma statements to generate positive cash flow to service all debt

- Accurately maintained credit files, including up-to-date financial statements, agency reports, compliance certificates and other financial information.

COMMERCIAL BANKING RELATIONSHIP ASSISTANT 1998-2004

- Collaborated with various relationship managers to provide support on sales, loan processing and closing activities.

- Tracked client’s loan performance and communicated with them to accurately resolve overdrafts and past dues.

- Corresponded to customer inquiries as well as identified and resolved their issues in timely and efficient manner.

- Organized and managed various company events.

MELLON BANK - Pittsburgh, PA

RETAIL BANKING CUSTOMER SERVICE REPRESENTATIVE / TELLER 1994-1998

- Conducted various branch administrative functions and managed branch overdraft reports.

- Oversaw vault area and performed audit reviews on other tellers.

- Solely opened and managed new accounts (checking, savings, certificates of deposits, home equity and personal loans).

- Instrumental for transforming back room operations to a highly successful sales team.

- Build and strictly enforced specific standards of administration support key roles to reflect branch audit requirements.

EDUCATION AND PROFESSIONAL DEVELOPMENT

Master’s Program in Business Administration - Strayer University, Alexandria, VA

Bachelor of Arts in Music - Indiana University of Pennsylvania, Indiana, PA

Citizens Bank Credit Training Program

AFFILIATIONS AND ACTIVITIES

Member, Crème de la Crème Preschool Boosters Club (Present)

PTA Volunteer, Home Room Volunteer (Present)

Participant, County Community Symphonic Band (1999-2003)

Private Music Teacher (1994-1998)

Assistant Marching Band Director (1996-1997)

TECHNICAL APTITUDE

Well-versed in MS Word, Excel, PowerPoint and Outlook in both Windows and Macintosh platforms

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