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Credit/Finance Manager, Workout Officer Resume
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| Desired Industry: Finance/Investment |
SpiderID: 26356 |
| Desired Job Location: Blairsville, Georgia |
Date Posted: 4/28/2009 |
| Type of Position: Full-Time Permanent |
Availability Date: |
| Desired Wage: |
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U.S. Work Authorization: |
| Job Level: Management (Manager, Director) |
Willing to Travel: |
| Highest Degree Attained: Masters |
Willing to Relocate: Undecided |
Experience:
RELATED EXPERIENCE
United Community Banks - Blairsville, GA
Special Assets Officer / Assistant Vice President Aug 2006-Present
- Oversee the asset and credit management of a commercial portfolio of criticized / non-performing assets valued at more than $20 million
- Determine compliance and exposure risk by performing and maintaining financial analysis, collateral evaluation, and documentation review
- Administer liquidation of bank secured assets including residential and commercial real estate, liquid collateral, equipment, inventory, receivables, life insurance, and vehicles
- Coordinate payment and collateral deficiencies with borrowers; develop and negotiate restructure strategies
- Represent bank in legal proceedings including bankruptcy, settlement negotiations, legal hearings, depositions, and foreclosures; gather legal judgments
- Direct recovery of losses on bank secured assets
- Coordinate sales efforts on bank owned commercial real estate properties
- Prepare quarterly criticized asset reports and action plan updates to senior bank management
- Develop and maintain asset quality reporting tool to assist senior bank management with credit quality management decisions
Credit Review Officer Dec 2005-Aug 2006
- Performed the credit review of loan relationships with a financial institution valued at more than $8 billion
- Monitored and assigned credit risk ratings for designated loan relationships according to loan policy
- Analyzed watch list and complex large line relationships for collateral perfection, adherence to loan policy, payment performance, and debt service ability
- Conducted due diligence for potential bank acquisitions
- Provided guidance and feedback to lending personnel for adherence to loan policy
Senior Commercial Credit Analyst Feb 2004-Dec 2005
- Performed credit underwriting and risk analysis of commercial relationships for the company
- Determined debt service and repayment ability by reviewing tax returns, financial statements, and credit reports
- Conducted collateral analysis and inspection to determine overall risk exposure; attended borrower meetings to assess overall project feasibility
- Presented underwriting packages to senior lending and credit officers
- Facilitated training for new credit analysts in all associate banks
Masterfoods U. S. A. - Kennesaw, GA
Customer Financial Services Analyst May 2001-Feb 2004
- Performed credit analysis, budget management, deduction investigation and resolution, and collections to assigned accounts
- Ensured efficiency and profitability by coordinating with customer, account team members, and internal areas of the business on a daily basis
- Resolved account issues by investigating negative customer trends and providing profitable solutions to sales, logistics, and operations account team members
- Developed ad hoc and formal reports used to analyze sales, logistics, and financial data
- Served as a technical and functional resource for members of the customer financial services team
- Participated in the Best Practice Exchange Project; supported promotional deduction analysis and resolution for the company’s largest customer
SunTrust Bank - Atlanta, GA
Financial Services Representative Jan 1999-May 2001
- Coordinated outside sales calls with branch managers, business bankers, and other business specialists by establishing and cultivating new personal and business relationships and referral sources
- Annually profiled core business and personal clients to determine needs; regularly contacted clients recommending traditional deposit, credit, and investment products and services
- Introduced alternative bank services and solutions to resolve customer service issues
- Collaborated with the branch manager and staff and conducted sales workshops and product knowledge training sessions at weekly sales meetings to achieve branch sales goals
- Managed a specialized portfolio for the executive level employees of The Coca-Cola Company
- Functioned as training consultant to Crestar management and employees during SunTrust/Crestar merger
Education:
EDUCATION
Keller Graduate School of Management
- Master’s Degree in Business Administration with concentration in Finance, June 2002
University of Tennessee, Chattanooga, TN
- Bachelor of Arts Major in English, Minor in Legal Studies
Career Development:
- Risk Management Association Commercial Lending School, May 2005
Skills:
- CREDIT ADMINISTRATION - RISK MANAGEMENT -
PROFILE
Goal-oriented, high-energy, and results-focused professional - innovative in identifying and implementing strategies in Financial Risk Management to capture cost improvement opportunities that affect bottom-line results. Demonstrated strong organizational and analytical skills by successfully applying business principles in market analysis, risk reporting, and strategic development.
- Strong leadership and team-building skills with the capacity to lead cross-functional groups to accomplish objectives and meet critical deadlines in fast-paced, high-growth, dynamic environments
- Demonstrated strong business acumen with innate leadership abilities, complemented with passion for resolving complex problems or business challenges through innovation in the financial industry
- Adept at maintaining focus on realizing profitability and efficiency while devising and executing advanced technology and business solutions to meet diverse needs
- Results-focused with aptitude for actively identifying opportunities and problem solving - critical thinker and adept negotiator
- Collaborative and resourceful with a foundation based on integrity and personal accountability; committed to high ethical standards
Specialized skills include:
- Market Research and Analysis
- Compliance / Accountability
- Knowledgeable of Bankruptcy Law
- Excellent Presentation Aptitude
- Financial Planning
- Leadership Abilities
- Effective Negotiation Skills
- Problem Solving
- Project Management
- Strong Communication Skills
Additional Information:
COMMUNITY INVOLVEMENT
Habitat for Humanity of Towns / Union Counties
- Public Relations Committee Member, April 2008-Present
- Board of Directors, July 2007-April 2008
Candidate Contact Information:
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