Data Entry Professional Experience

Emmanuel Kwame Gbedee

919-***-**** / 919-***-**** (Mobile)

https://www.linkedin.com/in/ekgbedee

********@*****.***

SUMMARY OF QUALIFICATION

Financial professional with a global perspective and more than 20 years of experience in the financial industry. Noted for providing technical expertise and value-added solutions in loan structuring, credit policy, proforma analysis, cash flow analysis, financial covenants, borrowing cause & purpose, and other areas of finance. Professional strengths include trend analysis, portfolio management, strategic thinking, and credit risk assessment. Strong leadership and interpersonal skills. Effective communicator with exceptional diversity and team player abilities.

PROFESSIONAL EXPERIENCE

COMERICA BANK, Durham, NC Sep 2010- Present

Underwriting Associate/Credit Analyst, National Dealers Services

Underwrote commercial loan and prepared annual reviews for a $350MM automotive dealership portfolio (included stand-alone and syndicated/participation or shared national credit deals). Spread monthly financial statements, reported on performance trends, and generated cash flow analysis. Analyzed personal financial statements and tax returns with a view of preparing cash flow analysis on individual guarantor(s).

Provided on-going monitoring of a portfolio of loan accounts for loan agreement compliance and assessment of overall credit risk in the portfolio; review draft agreements for consistency with approvals

Researched exposure outstanding balances, and established new amortization schedules. Liaised with agent banks to prepare advances/disbursement and processed loan payments on syndicated loan facilities. Prepared requests for timely processing of all transactions related to assigned portfolio: interest payments, new loan funding, principal pay-downs, trade settlements and updates, fees payments, commitment reductions, letter of credit amendments, etc

Prepared monthly LIBOR rate re-pricing for interest accruals

Generated periodic comparative operational analysis and highlight trends from period to period

Prepared periodic collateral analysis and cash flow analysis

Collaborated with corporate banking officer to perform credit risk analysis and establish credit risk rating consistent with bank’s credit policy, business objective and Basil Risk Rating grade.

Reviewed monthly audits; reviewed three day follow-up to ensure all audit exceptions are cleared.

Maintained credit and loan portfolio documentation files in accordance with banks internal asset quality review policy.

Conducted credit analysis and due diligence on potential clients. Prepared loan committed approval packages for new money requests. Attended loan committee meetings for annual reviews, reaffirmations and new money approvals.

Credit Specialist II, National Dealers Services Sep 2007 – Sep 2010

Assisted with underwriting and processing commercial loan applications and preparation of annual reviews for a $300MM automotive dealership portfolio (includes stand-alone and syndicated deals). Spread monthly financial statements into financial spreading model, and reported on performance trends. Reviewed personal financial statements and prepared tax to cash (cash flow) analysis on individual guarantors.

SUNTRUST BANK, Durham, NC Nov 2001 – May 2005

Individual Retirement Accounts Specialist II – IRA Department

Rendered IRA (individual retirement accounts) specialty back office support to branch network for acquired bank – National Bank of Commerce (included Central Carolina Bank, First Market Bank and North Mississippi Bank).

Determined nature of system rejects and posted to various individual retirement accounts based on findings; generated GL tickets to balance retirement accounts accounting. In the process, reduced processing time in half for posting system rejects to various customer accounts, increasing overall department productivity by 50%.

Reduced frequency of branch personnel’s complaint to satisfy customers’ inquiry by training branches personnel to identify and solve frequent issues.

Participated in various Pension Management Compliance seminars to keep current on changes in IRS regulations impacting IRAs.

Researched and kept up to date of federal regulations regarding various IRA products; provided training to junior staff members in IRA procedures and policies.

Maintained and served as custodian of bulk check inventory of entire Operations Center.

Identified system errors regarding interest payments calculations for 2,000+ customers, preventing possible legal action against the bank.

Data Entry Specialist, IRA Department, Central Carolina Bank (Mar 2001 – Nov 2001)

Performed data entry of customer and beneficiary data. Organized information with bar code system to be imaged in archive system for future retrieval.

Served on a team to synchronize customers’ information as a result of a merger between the Central Carolina Bank and the National Bank of Commerce.

INTERNATIONAL TRUST COMPANY OF LIBERIA, Monrovia, Liberia Dec 93 – Aug 00

A subsidiary of USA-based International Registry (Reston, VA), ITC operations was based in Liberia. ITC served as agent of the Liberian Maritime Registry, the world’s second largest marine registry

Assistant Treasurer & Supervisor, Data Processing Operations

Supervised the day-to-day computer-run operations; supervision of operations staff of data entry team involved with data entry, editing and processing demand deposit information and general ledger accounts; maintained software and hardware maintenance schedules; supervised scheduled maintenance of critical systems within the ITC network.

Served as liaison between the system programmers and the operational team;

Developed and designed various operational manuals to enhance productivity.

Served as member of bank’s Y2K Compliance Team.

EDUCATION

Master of Business Administration (MBA) - Pfeiffer University, Durham, NC - August 2010

Studied abroad in Germany and Austria (Summer 2010); seminars included exposure to Strategic Innovation Management in an International Context, International Marketing, International Business, International Banking with emphasis on international credit, and International Alliances and Co-operations in the Airline Industry,)

Bachelor of Business Administration (BBA, Management/Finance) - North Carolina Central University, Durham, NC - May 2007

Additional Training/Qualification

Certificate - Credit College (Spring 2011),

Corporate Banking Training & Recruitment

Comerica Bank, Detroit, Michigan

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