Customer Service Real Estate
Resume:
Cynthia K. Northington
Terrace
Oklahoma City, OK
73162
OBJECTIVE: To obtain a challenging position in the financial industry
which will utilize my underwriting and analytical
skills for continued professional growth.
EXPERIENCE:
CREDIT ANALYST - Assistant Vice President: July 2002
- Present
Stillwater National Bank & Trust Co., Oklahoma City, OK
Responsible for underwriting and monitoring credit risk in commercial
loan relationships. Analyzed financial, operating, and industry
information to identify, assess, and mitigate risk in commercial
loan relationships and commitments totaling $500,000 or greater.
Monitored indicators of risk in ongoing portfolios (e.g. past dues,
overdrafts, etc.), as well as, prepared reports to track risk monthly,
quarterly, or semi-monthly as needed
(e.g. borrowing base, financial covenants, construction inspections,
real estate report). Spread and analyzed financial statements to allow
more efficient review of commercial customers. Trained and supervised
junior underwriters.
2009 - Successfully underwrote 120+ loan requests totaling ~$165
million dollars.
2008 - Successfully underwrote 125+ loan requests totaling ~$215
million dollars.
COMMERCIAL SERVICES SPECIALIST - Officer: September 1995 - June
2002
Stillwater National Bank & Trust Co., Oklahoma City, OK
Maintained and supervised Courier Service and personnel. Handled all
Courier accounts, as well as billing, payroll, spreadsheet analysis
and accounting reports. Reviewed and maintained all commercial
soft charge analysis accounts. Processed daily accounts
receivable lockbox accounts. Monitored all kiting suspects. Maintained
and balanced Teller Vault. Audited, balanced and serviced ATM
machines. Provided account maintenance, customer
service support, and computer systems support. Created and
processed general ledger transactions. Oversaw all supplies and
stockroom. Arranged all speakers for weekly staff meetings.
Monitored year 2000 compliance in all areas of bank operations.
Assisted Operations in various projects, and provided technical
support.
ASSISTANT MANAGER: February 1993 -
September 1995
Department of the Interior Federal Credit Union, Washington, DC
Supervised teller personnel. Trained new employees in various
departments and in all areas of Credit Union operations. Provided
customer service support. Effectively marketed products and
services. Opened, maintained and modified existing accounts. Resolved
administrative issues in accordance with established regulations and
compliance procedures. Reviewed and settled accounting issues arising
from general
ledger entries. Reviewed, processed, and disbursed various loans.
Provided support for
computer system operations. Assumed all management responsibilities
during manager
absences in both main and branch offices.
Cynthia K. Northington
Page 2 of 2
SALES AGENT: June 1992 -
November 1992
Combined Life Insurance Company of New York, Syracuse, NY
Sold and serviced Accident Hospital Indemnity policies, Disability
Income
Endorsements, and Sickness Hospital Indemnity policies. Prospected for
new clientele,
answered questions concerning policy coverages and claims handling,
and filled out
detailed weekly production reports.
INTERN:
January 1992 - May 1992
Shearson Lehman Brothers, Syracuse, NY
Observed investment banking procedures. Used S&P and Value Line
resources to locate numerical information. Researched information on
stocks, bonds, and mutual funds for evaluation by clients, and performed
office duties.
NIGHT AUDITOR: May 1990 -
December 1991
Sheraton University Inn & Conference Center, Syracuse, NY
Managed Front desk operations. Audited daily financial records by
analyzing data from various departments. Calculated and wrote detailed
reports, entered data into computers, and trained new employees.
EDUCATION:
Syracuse University, Syracuse, NY Major: Economics
College of Arts & Sciences Minor:
Finance
Bachelor of Arts, May 1992
CONTINUING EDUCATION:
OBA & RMA classes (various 2002-2010)
RMA Commercial Real Estate Lending Forum - 2008
RMA Real Estate Lending Academy - 2006
OBA Commercial Lending School - 2003
COMPUTER SKILLS:
Microsoft Word, Microsoft Excel,
Microsoft Access
LAN Mainframe (Rumba Pro Client - Cent01)
Baker Hill Statement Analyzer
Ten-Key
REFERENCES: Available upon request
Contact this candidate