Sam Edwards
Bristol
Summary
Former commercial banker with 6+ years of experience in banking and underwriting. Familiarity and experience in day-to-day tasks related to commercial underwriting, SBA 504 & 7(a) underwriting, SBA 504 & 7(a) eligibility guidelines, commercial lending, loan portfolio growth and stability, managing multiple projects at once, overall bank and company growth, cross-department communications. Flexible and proficient with various underwriting tools and programs. Adept at applying business understanding and underwriting expertise to support growth and minimize risk. Skilled in risk assessments, document review, and liability identification.
Overview
4
4
years of professional experience
Work History
Commercial/SBA Underwriter
Morrissey Metcalfe & Associates
08.2022 - Current
- Underwrote high-quality credit narratives in support of new and existing loans, which included analyzing multi-year trends and ratios from financial information, understanding cash flow, performing collateral analysis, running credit reports, and mitigating risk.
- Primary performance responsibilities include analyzing financial data to determine the merits of loan requests (including adherence to loan policy), recommending structure, and collecting financial statements.
- Understands and keeps up to date with SBA 504 & 7(a) SOP changes and eligibility requirements.
- Utilized various underwriting platforms and programs such as CRMA, Ventures, Spark, and other internal spreadsheets.
Commercial Lender
New Peoples Bank
01.2022 - 08.2022
- Developed and supported bank growth by capitalizing on business prospects, identifying cross-selling opportunities, deepening relationships, and increasing client acquisition. This included the establishment and maintenance of key relationships and business contacts within the community and our targeted industry segment.
- Conducts interviews with new and existing customers to establish financial needs and make recommendations to satisfy those needs.
- Managed and maintained a safe, sound and profitable loan portfolio, monitored loans to ensure credit quality, collected payment on delinquent loans as necessary, and working with my team to follow up on loan documentation and/or loan tracking
- Processed loan applications and monitored progress from start to finish.
- Partnered with the Lending & Credit Teams to underwrite, evaluate and originate loan applications. Made lending decisions within lending limit and in accordance with the Bank’s credit policies and procedures.
Commercial Portfolio Manager
New Peoples Bank
09.2020 - 01.2022
- Managed and grew a commercial loan portfolio, which was primarily made up of small businesses in our local area.
- Ensured a high credit quality on all newly originated loans. Collected payments on delinquent loans when necessary. Tracked needed loan documentation and managed bank policy exceptions from notes originated by previous employees.
- Conducted interviews with new and existing customers to establish financial needs and made recommendations to satisfy those needs.
Credit Analyst
New Peoples Bank
02.2020 - 09.2020
- Underwrote high-quality credit narratives in support of new and existing loans, which included analyzing multi-year trends and ratios from financial information, understanding cash flow, performing collateral analysis, running credit reports, and mitigated the bank’s risk.
- Utilized CRMA, an underwriting, risk grading and workflow platform.
- Carefully & diligently reviewed tax returns, income statements, balance sheets, profit & loss documents, debt schedules, rent rolls & etc.
- Compiled all findings into a standard and easy to digest format, then presented it to our team of lenders and/or management.
Education
Bachelor of Science - Finance
Liberty University
Lynchburg, VA05.2019
Skills
- Financial Analysis
- SBA 504 & 7(a) Underwriting
- Client Relationship Management
- Risk Management/Analysis
- Commercial Banking
- Service Quality
- Critical Thinking
- Credit Application Review
Timeline
Commercial/SBA Underwriter
Morrissey Metcalfe & Associates
08.2022 - Current
Commercial Lender
New Peoples Bank
01.2022 - 08.2022
Commercial Portfolio Manager
New Peoples Bank
09.2020 - 01.2022
Credit Analyst
New Peoples Bank
02.2020 - 09.2020
Bachelor of Science - Finance
Liberty University
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