MAGGIE WELSH

West Chicago ***** 847-***-**** ad3ir9@r.postjobfree.com

Summary

Diligent and seasoned Commercial Credit Portfolio Manager/Senior Commercial Credit Officer/Underwriter with a comprehensive understanding of financial analysis, credit risk assessment, and regulatory compliance within the commercial lending sector. Adept at evaluating complex financial data, conducting in-depth industry analyses, and structuring tailored credit solutions to mitigate risk and maximize profitability. Proven expertise in managing diverse portfolios, ensuring adherence to credit policies, and fostering strong client relationships. Possesses excellent communication skills, enabling effective collaboration with cross-functional teams and seamless interaction with clients to navigate complex credit scenarios. Demonstrates a strong commitment to continuous learning, staying abreast of evolving market trends, and incorporating innovative strategies to optimize portfolio performance and uphold the highest standards of credit integrity.

Skills

●Financial Compliance.

●Complex Problem-Solving.

●Review Documents.

●Recommend Corrective Actions.

●Report Compliance Issues.

●Auditing Assignments.

●Compliance Reviews.

●Customer Inquiries.

●Policy Assessment.

●Risk Assessment

●Industry Knowledge

●Regulatory Compliance

●Decision Making

●Communication

●Portfolio Diversification

●Portfolio Management

●Problem-Solving

●Negotiation Skills

●Team Collaboration

●Data Analysis

●Continuous Learning

●Customer Relationship Management

Experience

Field Examiner 06/2022 to Current

The Collateral Resource Group

●Prepared detailed financial reports and conducted in-depth investigations to ensure compliance with regulations and identify potential risks.

●Expertly reviewed and corrected financial errors, contributing to the accuracy and reliability of financial data.

●Conducted comprehensive annual reviews of bank policies and procedures, ensuring adherence to regulatory standards.

●Authored comprehensive reports outlining investigation findings and provided recommendations for enhanced compliance and financial stability.

●Fostered strong professional relationships with clients and financial institutions, facilitating effective communication and collaboration.

Commercial Credit Analyst 07/2014 to 01/2015

American Eagle Bank

●Demonstrated expertise in conducting thorough due diligence for complex construction loans, ensuring legal and financial compliance and mitigating potential risks.

●Proven track record of effectively managing credit evaluations for commercial customers, utilizing robust financial analysis and risk assessment to make informed lending decisions.

●Instrumental in developing a streamlined credit presentation template that enhanced efficiency, standardization, and accuracy in the credit evaluation process.

●Adept at maintaining regulatory compliance and internal controls, navigating complex banking regulations to uphold the integrity of lending practices.

●Strong communicator and collaborator, adept at presenting to executive teams, resolving customer disputes, and fostering cross-functional partnerships to identify and mitigate risks, contributing to overall organizational success.

Commercial Credit Analyst 10/2013 to 07/2014

McHenry Savings Bank

●Proactively monitored established accounts, identifying irregularities and presenting findings to senior management, demonstrating acute financial acumen.

●Recognized in the FDIC watch report (June 2009) for enhancing collateral coverage and managing credit risk in the McHenry Savings commerce loan portfolio.

●Selected for conducting thorough due diligence investigations for prospective transactions, showcasing exceptional attention to detail and analytical skills.

●Formulated and implemented robust strategies ensuring strict compliance with loan policies and state and federal regulations, significantly reducing credit risk.

●Conducted comprehensive credit reviews on corporations, leveraging an improved understanding of financial statements to assess risk and inform sound lending decisions.

Senior Credit Analyst 07/2005 to 03/2008

Elgin State Bank

●Established and led regular meetings with the bank's loan committee to evaluate and mitigate credit risk for delinquent clients, enhancing the bank's risk assessment processes.

●Directed in-house litigation, including small claims representation and complaint preparation, while ensuring successful resolution of billing concerns, effectively minimizing legal and financial risks.

●Pioneered the development of standard operating procedures and process improvements, fostering efficient inter-departmental collaboration and enhancing operational effectiveness.

●Played a pivotal role in determining credit terms, limits, and negotiated payment schedules, contributing to prudent credit management and risk mitigation.

●Significantly improved the quality and performance of the collateral commercial credit portfolio, enhancing the bank's overall asset quality and risk management practices.

Commercial Credit Analyst 04/2000 to 06/2005

Royal American Bank

●Spearheaded company growth and positive transformation by crafting credit memoranda, assessing risks, and recommending exposure limits to senior management.

●Established and maintained industry analysis, providing regular reports to the loan committee and the board of directors, contributing to informed decision-making.

●Conducted comprehensive financial statement analysis to evaluate the creditworthiness of commercial customers, facilitating credit line extensions.

●Utilized personal cash flow analysis to predict financial trends, enhancing the accuracy of financial risk assessments.

●Developed and maintained financial background information, offering valuable insights on the advisability of credit extensions.

Education and Training

Bachelor of Applied Science: Finance 05/2001

Columbia College, Columbia MO

Associate of Science: Accounting 03/1998

Elgin Community College, Elgin, IL

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