Credit Risk Manager

Beth Ann Pitzer

Greater Atlanta Area

adqo1w@r.postjobfree.com • 404-***-****

www.linkedin.com/in/bapitzer

Objective

Seeking to change from the third line of defense as Credit Risk Review to fist line of defense as Underwriter.

Qualifications Summary

Credit Professional with over 15+ years as a VP/Credit Risk Review Officer, FRB/OCC Safety and Soundness Examiner/KPMG and private consultant reviewing commercial credits. Exposed to all types of credits including business owners and large commercial and residential real estate investors. Strong background identifying key issues related to credit underwriting, portfolio analysis, accounting principles, credit operations, and regulatory laws. Success achieved through client referrals, strong mentors, determination, and strong knowledge of banking products and regulations. Two years assisting bank with asset quality issues during the “financial crisis” saving one client $5.4MM in ALLL provision expenses. Optimal Communication Skills as evidenced with an Award for Impromptu Speaker (2022) on the first visit to Toastmasters.

Key Competencies

*Financial/Credit Analysis * Risk Identification/Assessment/Monitoring *Training/Mentoring *Regulatory Compliance *Project Management *Collaborative Leadership *Building Strategic Relationships *Optimal Communication Skills

Education · Additional Training

Bachelor of Business Administration in Economics and Finance - Stetson University

Masters Equivalent in Upper Division Accounting - Georgia State University

Appraisal School (2018) and Tax Analysis (2008)

America and the New Global Economy – Professor Timothy Taylor, Macalester College, (2013) “The Teaching Company”

Advanced Commercial and Commercial Real Estate at the Seidman Center in Washington D.C. (2006)

Toastmasters International – Award for Impromptu Speaker (2022) on the first visit.

Professional Experience – Responsibilities and Key Achievements

VP/Credit Review Examiner

Ameris Bank, Atlanta, Georgia (2019-Current)

-Publicly Held financial institution holding $19.9 billion in deposits with 166 branches.

Role Defined:

Responsible for reviewing loan origination, underwriting, and credit administration of syndicated loans up to $50 million in commitments. Daily activities, as the third layer of the defense, includes reviewing loans for compliance with bank guidelines including the timeliness of covenants, the accuracy of DSCR and cash flow analysis, Appraisal Due Diligence, and the integrity of the overall underwriting, and Annual Reviews. Most of the larger loans reviewed daily were $10 to $20 million unless assigned to the Atlanta District up to $30 million not syndicated.

Key Achievements:

Collaborated with one team member to establish a checklist for quality control of the loan review line sheets and reviewed colleagues line sheets for compliance.

Supervised and mentored two to four Credit Risk Reviewers on projects.

Complimented by my boss of being the smartest person on the team and of being capable of being to “plug and play” me because of my banking knowledge of credit and operations risk.

Designated as the CRE/Building Specialist and assisted internal audit with reviewing Construction Draw Procedures.

Owner/Credit Review Consultant

Pitzer Risk Management Services, Atlanta, Georgia (2016-2019)

-Privately Held sole-proprietor providing credit risk management and analysis services for the OCC and KPMG Audit Services.

Role Defined:

Responsible for reviewing loan origination, underwriting, and credit administration of the OCC intermediate size banks and KPMG’s larger regional banks.

Key Achievements:

Won bids of twenty different banks in major cities in the U.S. from the OCC, Washington, D.C.

Designed analytical tools (spreadsheets) to verify cash flow, amortization schedules, cap rates, debt yields, and shared with different districts.

Prepared credit evaluations of commercial and commercial real estate loans for the OCC and KPMG. Balanced one loan per day with 99% accuracy for OCC. Balanced two loan reviews a day with 99% accuracy for KPMG.

VP/Credit Review Examiner

Regions Bank, Atlanta, Georgia (2015-2016)

-Publicly – Held financial institution holding $97 Billion in Deposits with 1,473 branches in the southeast and Midwest.

Role Defined:

Responsible for reviewing loan origination, underwriting, and credit administration for Shared National Credits, Leveraged Loans, REITS, and Commercial Real Estate up to $2.5 billion.

Key Achievements:

Passed the RMA Commercial and Commercial Real Estate Exams and received certifications as a lending pre-requisite.

Enhanced existing knowledge of loans to include Larger Commercial loans, Regions Business Capital, Business Banking, Income-Producing Property, and Corporate Real Estate Portfolio Reviews.

Owner/Bank Consultant & Credit Review

Pitzer Risk Management Services, Atlanta, GA (2010-2015)

-Privately Held sole-proprietor providing and credit risk management and general risk management services for the Office of the Comptroller of the Currency in Washington D.C.; DeMatteo Monness, LLC – New York, New York; and Commercial Bank – Harrogate, Tennessee.

Roles Defined:

Responsible for reviewing loan origination, underwriting, and credit administration. (As an OCC Contractor) for some of the smaller community banks and later at the larger regional banks.

Advised clients (4+ large public banks) on the new liquidity and capital requirements because of the Dodd Frank Act. (As a Bank Consultant).

Provided one client (1 private bank) with the risk management tools to manage risk from the management side proactively instead of waiting for audit and examiners to manage risk reactively including governance for the Risk Management Committee and facilitated as Secretary. Provided support and coaching to the lenders and CCO to upgrade their loans from substandard and special mention to pass risk rating. (As a Bank consultant).

Gathered responses and wrote examination report responses for one bank to the State of Tennessee and FRB with the Bank President’s approval. (As a Bank consultant).

Key Achievements:

Completed the credit analysis of assigned loans early and assisted loan manager in completing the overall evaluation of credit risk management and credit underwriting.

Compiled, reviewed, and delivered recommendations for management’s timely response to regulatory findings for the FRB for one bank client.

Influenced colleagues through the Risk Management Committee, to decrease the number of significant findings in the examination reports and upgrade the overall CAMELS rating.

Saved the bank approximately $5.4MM in provision expenses through knowledge of the rules and laws surrounding the ALLL.

Advocated and Researched for the client various regulatory issues including non-accrual, ALLL, insider activities, appraisals, and purchased loans, to provide second opinions on examiner directives.

Safety and Soundness Examiner

Federal Reserve Bank of Atlanta, Atlanta, GA (2001-2010)

-Quasi-Federal Government Supervisory Authority of banks under the Department of Treasury

Role Defined:

Financial Analyst of Banks and Credit Risk Review. In addition, Regulatory Enforcer of laws and regulations surrounding the Banking system thru the roles of Examiner in Charge, Asset Manager, and Operations Manager. Reviewed commercial and commercial real estate credits in Southeast at some large regional banks.

Key Achievements:

Awarded cash awards for leadership and contributions in meeting supervisory mandates and addressing a growing volume of regulatory challenges in 2009 including the supervision of banks with problem assets; in the supervision of one of the largest and most complex banks in Georgia; in improving the examination process; and, for being a report writing coach and team player.

Appointed Safety and Soundness Examiner through the Board of Governors. Completed program in 2 1/2 years in comparison to most associate examiners that take 5 years to complete the program and passed the Commissioning Exam on the first try.

Wrote examination reports and presented findings to Bank Board of Directors within established time limits.

Created the first on-the-job training materials on the team to train examiners on leading portions of the exam.

Management Internal Control Consultant

Prudential Bank & Trust, Atlanta, GA (1996-2000)

-Bank subsidiary of Prudential Insurance

Role Defined:

Implementer of the key areas of the Risk Management Strategy.

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