Manager Customer Service
Resume:
Windsor, CT *****
*************@***.***
JACQUELINE NELSON
SUMMARY
A detailed-oriented senior financial professional with Commercial,
Residential, Retail banking and lending experience. Extensive experience in
underwriting, structuring complex credit transactions, loan review and
portfolio risk management. Strong credit analysis, interpersonal,
analytical and leadership skills.
. Proven ability to deepen & expand banking relationships with
customers
. Effective liaison between Team Leader and Client Managers to
lead, organize and facilitate team objectives/revenue goals
EXPERIENCE
WEBSTER BANK, Hartford, CT
VICE PRESIDENT - CRE PORTFOLIO MANAGER 2009 - Present
Managed the integrity of an $80MM loan portfolio consisting of investment
commercial real estate, business loans, lines of credit, letters of credit
and ACH transactions.
. Managed the risk grading process to insure accurate risk grades thus
maintaining the overall portfolio integrity.
. Managed asset quality including appraisal review, covenant compliance,
annual loan reviews, financial statement tracking and analysis and
periodic event-driven file comments.
. Identify problem loans and transfer to Special Assets. Support payment
collection process to meet Bank Targets for past dues ad charge-offs.
. Manage tracking and renewal of maturing loans and lines including Letters
of Credit.
. High quality Customer Service to include Business Bankers, insuring
timely site inspections and /or construction advances, problem resolution
and loan approval and renewals.
. Identify new business opportunities.
VICE PRESIDENT - LOAN REVIEW OFFICER 2006 -
2008
Responsibility to the Credit Risk Review department was to employ a risk-
based review approach to proactively identify, analyze and evaluate on and
off balance sheet credit risk. Duties included assessing the risk factors
associated with exposure, growth trends, new initiatives, changes in
portfolio quality including trends in delinquencies, non-accrual assets, n
charge-offs, and WARR (weighted average risk rating). Additionally, duties
included the management of credit process with emphasis on risk
identification, underwriting, portfolio monitoring, adherence to policies,
and turnover of critical staff, changes in economic climate, industry
trends, results of prior internal and regulatory examinations, and progress
in addressing prior criticisms. Business Line Examinations included:
Commercial Lending - Small Business, Middle Market, Commercial Real Estate,
Industry Segment Banking, Residential Development, Leveraged Banking,
Special Assets and Asset Based Lending. Consumer Lending - Residential,
Home Equity and other.
Jacqueline Nelson
Page 2
BANK OF AMERICA / FLEET BANK, Hartford, CT 2001 -
2006
VICE PRESIDENT - SENIOR PORTFOLIO MANAGER
Managed the integrity of a $100MM loan portfolio consisting of commercial
real estate, business loans, lines of credit, letters of credit and ACH
transactions.
. Credit analysis, quarterly and annual reviews, asset generation, business
development of retail products, underwriting, credit administration,
managed assets, loan closings, compliance and customer support.
. Liaison between Team Leader and Client Managers to effectively
organize and facilitate team's objectives.
. Reviewed and recommended approval of all credit requests prepared
by Client Manager's in excess of $500M for accuracy, risk, fee income and
risk rating.
. Established data integrity systems for a new and fast growing
commercial loan portfolio to insure compliance with bank guidelines and
regulatory requirements.
. Improved quality of portfolio resulting in outstanding company
audits.
FARMINGTON SAVINGS BANK, Farmington, CT 1998 -
2001
ASSISTANT TREASURER - SENIOR CREDIT ANALYST
Key player in the development and growth of a Commercial Lending Department
for a mutual bank from $10MM in commercial loan volume to greater than
$113MM over a two-year period. Responsible for the Bank's Credit
Department and credit support to the Loan Originators/Loan Committee for
loan financing.
. Assisted the Credit Manager in implementing all functions of a new
credit department including, policy/procedures, tracking systems, loan
review and liaison of coordination of annual audits by internal,
external, state and federal regulators.
. Researched and analyzed applications for commercial credit and
presented for loan committee review.
. Reviewed loans in the Bank's portfolio and reported on portfolio
quality to the CEO and the Board.
. Supervised staff of two.
NEW ENGLAND BANK (aka Webster Bank), Windsor, CT 1997 -
1998
ASSISTANT TREASURER - CREDIT ANALYST - Specialized Lending - SBA
Sole credit analyst for bank's specialized unit, Small Business Lending.
. Analyzed financial statements (including agings), corporate and
personal tax returns, industry and economic trends. Prepared loan
proposal for business loan requests in accordance with SBA's guidelines.
Attended Loan Committee.
. Prepared spreadsheets, uniform cash flow, ratio and trend analysis.
Collateral evaluation. Maintained portfolio in compliance with SBA
policy guidelines. Attended quarterly SBA meetings.
ADVEST BANK, Hartford, CT
CREDIT OFFICER - CREDIT ANALYST 1993 - 1997
. Analysis of financial condition of small to middle market companies
requesting commercial loan financing. Prepared loan proposal for new
requests. Annual loan review.
. Statement spreading, cash flow, ratio and trends analysis,
collateral evaluation, industry studies. Attended Loan Committee.
Jacqueline Nelson
Page 3
COMMERCIAL LENDING ADMINISTRATOR 1992 - 1993
Support a team of Vice Presidents with the development and maintenance of
their Commercial Loan Portfolio.
. Requested and analyzed financial statements, credit reports, and
appraisals. Produced tracking and pipeline reports.
HOUSEHOLD MORTGAGE CORPORATION, Glastonbury, CT 1989 - 1991
RESIDENTIAL MORTGAGE UNDERWRITER
. Obtained relevant financial information and maintained a file on
each mortgage applicant. Verified and analyzed financial data and
compliance with loan program and secondary market guidelines.
. Maintained communication via telephone or written correspondence
with applicants, brokers, attorneys, appraisers and third party
guarantors.
EDUCATION AND PROFESSIONAL TRAINING
Central Connecticut State University, New Britain, CT - BS, Finance
New England Banking Institute, Hartford, CT - Commercial Credit and Loan
Analysis
Financial Seminars, Inc., Waterbury, CT - Individual & Corporate Tax Return
Analysis
Robert Morris Associates, Boston, MA - Construction Lending
NAGGL, Middletown, CT - Revised SBA Standard of Procedures
COMMUNITY AFFILIATIONS
Credit Committee: Hartford Community Loan Fund (South Hartford Initiative)
Executive Board President: Lancaster Woods Association
Member: Town of Windsor - Elderly Services
Vice President: First Cathedral Missionary Committee
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