Microsoft Office Financial

Lawanda R. Fudge

*** *. *********** ****, ***** Prairie, TX 75052 • 214-***-**** • ********@*****.***

QUALIFICATIONS SUMMARY

Detail-oriented Senior Credit Analyst with a background in utilizing quantitative financial analysis and comprehensive financial forecasting models to improve organizational decision making and profitability. Skills include a proven ability to work efficiently in a fast-paced environment, while accurately identifying risk factors affecting business operations. Skilled communicator, both written and verbally, and able to build strong working relationships with coworkers and clients.

RELATED PROFESSIONAL EXPERIENCE

Vision Bank Texas, N.A. - Richardson, Texas 10/2013 – 06/2014

Sr. Credit Analyst, AVP

Analyzed and prepared C&I, CRE, and private consumer credit opportunities in amounts up to $2 million through in-depth concentration risk analysis, credit analysis, and collateral examinations.

Collaborated with Sr. Loan Officers in presenting qualified credit opportunities to the bank President and Loan Committee in weekly meeting.

Conducted renewals and annual reviews of existing credit facilities.

Accurately spread personal and business financial statements and tax returns in accordance with GAAP and bank policies.

Monitored and managed quarterly financial statement reporting and covenant compliance.

Maintained close banking relationships with existing clients and remained vigilant for new opportunities for business; up-selling available products when possible.

Green Bank, N.A. - Richardson, Texas 6/2012 – 10/2013

Sr. Credit Analyst, AVP

Ensured portfolio administration and risk management of each client relationship was in compliance with established credit policies and procedures as well as commercial and regulatory guidelines.

Prepared credit presentations for C&I, CRE, and personal loans up to $5 million. Serviced 56 Commercial Lending Officers within the Dallas, Houston, and Austin markets.

Accurately spread personal and business financial statements and tax returns in accordance with GAAP and bank policies.

Spear-headed board-assigned compliance restructuring project to improve efficiency in obtaining and monitoring policy exceptions established through regulatory guidelines.

Assisted in the hiring and training process of new Credit Compliance Officer for ongoing monitoring and reporting of policy and financial covenant exceptions.

Opportunity Bank, N.A. - Richardson, Texas 02/2011 –06/2012

Credit Analyst I

Underwrote small business conventional and SBA loans in amounts of up to $5 million through in-depth analysis of financial statements and risk rating components to identify cash flow trends and project future performance.

Accurately spread personal and business financial statements and tax returns in accordance with GAAP and bank policies.

Conducted renewals and annual reviews of existing credit facilities.

Monitored and managed financial covenant compliance reporting and past due accounts.

Partnered with Sr. Analyst in creating and presenting a pitch book for a $20 million C&I participation facility for an Oil and Gas client; the facility successfully funded.

Improved Bank’s 2011 OCC Exam rating in the area of Management/Administration with noted improvements in exception tracking and past due reporting quality.

Lawanda R. Fudge

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Comerica Bank, Dallas, Texas 6/2007 - 12/2007

Credit Analyst

Performed quantitative analysis of financial data to assist in the approval and loan grading process of proposed credits of up to $5 million.

Accurately spread personal and business financial statements and tax returns in accordance with GAAP and bank policies.

Collaborated with Sr. Loan Officer in presenting qualified credit opportunities in weekly Loan Committee.

Ranked in top 5% of 2007 Credit College Training Program; receiving high scores in analysis quality and verbal and written communication skills.

EDUCATIONAL BACKGROUND

Bachelor of Business Administration in Finance - 2007

Southern Methodist University-Cox School of Business, Dallas, Texas

SKILLS

FISERV Navigator Cash Suites Bank Manager BakerHill

Microsoft Office Suites RMA Analysis and Modeling Jack Henry

Additional employment history available upon request.

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