Kristina B. Dolinar *** Abbington Ave

Tonawanda New York 14223

C: 716-***-****

Objective: To obtain a position where I can maximize my experience, education and knowledge by contributing to the improvement as well as the company’s progress within a solid team environment. Education: Medaille College, B.A. Business Administration, Summa Cum Laude Professional Experience:

Credit Analyst/Underwriter, Commercial Credit Group 2014-present Responsible for underwriting new credits outside sales representatives from the initial application to closing

Perform modifications and refinances for loan/lease portfolio of customers in the construction, waste and transportation industries

Analyze and evaluate personal and company tax returns and financial statements comparing cash flow position from year to year as well as to other industry standards Use 3rd party references, Dun and Bradstreet reports, Paynet and Transunion credit bureau reports to determine character of borrower and ability to repay debt Determine collateral value of waste, transportation and construction equipment based on industry information

Approve the funding of transactions upon the receipt of executed loan documents Work with operations manager, sales representatives and branch managers on a daily basis throughout the loan approval, documentation and funding processes Business Analyst III, Banking Officer, M&T Bank 2013 - 2014 Research current credit policy related issues and concerns. Subject matter expert to support various business lines. Represent Credit Administration on intra-departmental/enterprise wide committees. Actively solicits opinions on credit related issues from both internal and external experts. Helps to develop methodology to track and monitor credit policy exceptions. Draft changes to the bank's credit policy and communicate them to the impacted business lines. Aides in the development and presentation of credit policy training. Provides management and documentation of various project progress. Maintain policy change logs, prepare summary of policy changes for board of director meetings, examiner review, and senior management requests.

SBA Analyst, Banking Officer, M&T Bank 2009 -2013

Provided an analysis of business financial statements, commercial cash flows and ratios. Communicate deficiencies to internal/external customers; advise procedures through knowledge of bank and government credit policies

Reviewed loans for compliance of government policies and procedures. Prepared summaries, presents facts, and offers opinions concerning credit-worthiness. Responsible for accurate and timely processing of SBA loan approvals which includes: evaluating and preparing loan documentation for various types of SBA: 7a, SLA, Patriot and Express. Senior Loan Specialist, M&T Bank 2005-2009

Prepared cash flows for commercial loan applications Reviewed and analyze pertinent credit information such as credit bureau report and personal financial statements.

Key role in the implementation of program upgrades by testing information and tracking of results. Support Specialist, M&T Bank 2003-2005

Ordered and reviewed environmental reports, appraisals, property searches, flood reports, UCC searches for inconsistencies

Submitted requests for documentation requests for loan closings Review and obtain SBA loan documentation, SBA authorization and process related fees Collateral Specialist, M & T Bank 2000-2003

Prepared loan documentation for commercial loan transactions. Identified appropriate loan document deficiencies and communicated to appropriate areas Consulted with lenders and outside counsel on issues related to commercial lending Customer Service Representative, Key Bank 1998-2000 Handle high volume of incoming customer and branch phone inquires. Cross-trained in telesales

Serviced checking, savings, money market, CD, credit cards and various categories of personal and business accounts.

Pharmacy Technician, NCS Healthcare (full time/part time) 1993-2002 Organize, prepare and participate in monthly medication exchanges with nursing homes. Process prescription credits for various insurances. Loan Specialist, HSBC Bank 1991-1994

Evaluated Commercial Loan approval information and implemented on line Balanced figures for daily monetary reject report and transaction sheet Calculated interest and principal reduction schedules Supported loan officers in the evaluation of the credit worthiness Fraud Analyst, HSBC Bank 1990-1991

Reviewed and resolved all Master card and VISA fraud sales to minimize losses Initiated fraud cases for investigation & assisted law enforcement in fraud cases Monitored and evaluated various fraud reports (UAR) to identify fraudulent activity