FINANCIAL INSTITUTION EXAMINER Summary Commissioned bank examiner five years experience FDIC. Strong analytical skills technical background credit review, financial statement analysis, intermediate accounting work. In-depth knowledge experience interpreting applying banking rules regulations. Recognized high-quality team contributions examinations numerous financial institutions, including large, complex, troubled institutions. Highlights Well-versed ETS ALERT (FDIC's proprietary loan review software) MS Office software, including frequent use PowerPoint presentations MS Excel data manipulation (ex. pivot tables, charts, etc.) *Basic experience SPSS, Bloomberg, QuickBooks Experience FINANCIAL INSTITUTION EXAMINER 01/2010 Current Company Name City State Division Risk Management Supervision Aug. Collaborate examiners, specialists, assistants evaluate safety soundness operations 70 insured depository institutions within eastern central Pennsylvania territory, ranging asset size $30 million nearly $5 billion,. Assess asset quality, asset liability management strategies, adequacy capital, earnings performance, budgetary process financial institutions. Hold formal exit meetings senior management board meetings directorate discuss examination findings obtain commitment corrective action. Facilitate training less-tenured employees designated on-the-job training assignments. Credit Review Experience: Evaluate asset quality institution review loan files assign loan classifications. Focus reviewing commercial credits (i.e., commercial mortgages, C&I loans, working capital lines), large participations, specialized lending programs. Assess borrowers' capacity repay; protection; performance; adequacy underwriting, credit administration practices, accounting treatment individual loans determine overall level credit risk. Analyze financial statements, tax returns, financial documents borrowers, guarantors, related entities assess risk creditworthiness global basis. Ensure financial information timely, complete, enable management accurately measure compliance performance covenants. Discuss concerns loan officers management regarding specific loans, file documentation, regulatory compliance issues. Cite apparent violations law regulations necessary prepare formal loan write-ups, technical schedules, overall assessment asset quality institution inclusion exam report. Significant Assignments: Nov. 2013 Served acting examiner-in-charge examination $700 million bank, resulted downgrade $10 million loans Special Mention Substandard, citation apparent violation regulatory appraisal requirements, identification lack impairment analysis restructured trouble debt. 12/2014 Supervised activities loan review team asset manager $4.4 billion mutual savings institution asset quality rating upgraded due improvement adversely classified loans, despite identified criticisms allowance methodology recommendations improve monitoring lending policy exceptions. Apr. 2015 Designated one national training instructors division-wide rollout new proprietary Examination Tool Suites (ETS) loan review exam software. In addition, designed developed original training material refresh examiners' knowledge loan review software presentation two field offices. Certifications Awards: FINRA Series 91 (Mar. 2014) FDIC Safety Soundness Technical Evaluation STAR Award (Oct. 2014) Strong teamwork, technical knowledge, high-quality contributions loan review team examination troubled institution, including identifying loan downgrades STAR Award (Jul. 2015) Outstanding performance examination complex institution regulatory enforcement action, including identifying citing 170 apparent violations. 05/2008 01/2010 Company Name STUDENT INTERN, Rural Electric Infrastructure Loan Loan Guarantee Program Processed loan applications rural electric utility cooperatives, prepared underwriting memos. Performed credit analyses, ensuring regulatory minimums certain financial ratios met. Assessed loan feasibility detailed review 10-year forecasted cash flows sensitivity analyses, examined borrowers' three-year historical financial statements monitor performance trends. Recommended loan approvals loan committee, resulting 100% approval rate disbursement $30 million appropriated funds new construction storm damage repairs. Education May 2010 UNIVERSITY OF MARYLAND, COLLEGE PARK B.S Finance Robert H. Smith School Business GPA: GPA: 3.82 Finance GPA: 3.82 B.A Government Politics School Behavioral Social Sciences GPA: cum laude 2nd Place Team -Wikler Finance Case Competition (2008), Dean's Academic Scholar (2010) Government Politics cum laude 2nd Place Team -Wikler Finance Case Competition (2008), Dean's Academic Scholar (2010) Skills accounting, Basic, Bloomberg, C, charts, Credit, credit risk, documentation, senior management, financial, Analyze financial statements, financial statements, Focus, funds, law, regulatory compliance, meetings, MS Excel, MS Office, PowerPoint, new construction, Oct, pivot tables, presentations, quality, QuickBooks, repairs, assess risk, Risk Management, Safety, SPSS, Supervision, tax returns, teamwork, training material, underwriting