Vice President Credit Analyst

SANDRA D. THOMAS (Cell) 610-***-****, Best contact

**** ********** ***, ************, ** 19050 (Work) 610-***-****

Career Objective: Seeking a position where my past experiences and education will be valuable in maximizing productivity, efficiency, and profitability with a progressive organization.

Employment History:

Wells Fargo Bank

August 2020 to Present Middle Market Portfolio Execution Leader NE and Metro NY/NJ Divisions/Vice Pres.

Manage a team of 11 (formerly 16) credit administrators from Canada down through New Jersey who help to collect financial statements from customers, research documentation exceptions, order appraisal and environmental due diligence, order loan documents and submit to booking; distribute credit reports. I have $3MM in Operating Authority to decision daily ACH and Foreign Wire Alerts.

April 2011 to Business Banking MidAtlantic and NE Divisions Credit Analysis Manager/Vice Pres.

August 2020 Directly manage a team of 4 Credit Analyst (including direct management of 1 CA

Supervisors with up to 6 CAs) in 7 states (20% travel). Previously, managed up to 28 CAs. Hire staff and train CAs to underwrite and identify product opportunities. Manage workflow. Lead towards the goals of Fully Satisfactory Credit Reviews, of 0% delinquency in all portfolio management tasks. Provide reporting to upper management. Train CA Supervisors.

October 2007 to Business Banking Risk Advisor and Credit Analyst 3/Vice President

April 2011 Underwrote loans for new and existing customers in PA and CA. Completed Annual Reviews of relationships >$1MM.

October 1999 to Portfolio Manager/Asst. Vice President

2007 Centrally managed a $170 million loan portfolio (for borrowers in PA) in the

First Union National Community Development Finance Dept. $3MM in Renewal Credit Authority. Serviced

Bank existing customers by renewing, refinancing, and increasing their existing

Phila, PA loans/relationships while ensuring profitability. Monitored progress of construction loans. Order third party due diligence items. Collected past due loans with virtually 0% delinquency. Transferred non-performing loans to workout area. Initiate loan documentation and handle loan closings. Utilized customer service and negotiating skills. Troubleshoot and escalate any significant issues.

February 1998 to Credit Analyst

October 1999 Decisioned credit applications through a scorecard process for lease applications for

De Lage Landen copiers, faxes, phones and office furniture up to $600M (formal authority $100M) by

Financial Services utilizing Dun & Bradstreet information and Credit Bureau Reports and preparing write-

Berwyn, PA ups. Ensured profitability.

December 1991 to Relationship Management Development Program (4/96 to 2/98)

February 1998 Completed a formalized credit training program consisting of RMA’s Loan Structure and

(Post-Merger) Documentation as well as credit analysis and product training. Rotated in the Financial

CoreStates Bank Institutions Division (Correspondent Banking), analyzing credit information of

Phila., PA potential and existing customers and prepared proposals for prospects. Also toured Treasury

4/96 to 2/98 Management Dept. Reviewed write-up of Credit Technicians in training.

(Pre-Merger) Relationship Associate III/Asst. Banking Officer (11/95 to 4/96)

Meridian Bank Supported Community Lending Dept. (consisting of 1 lender, formerly 3) on a $22MM

Phila., PA portfolio by resolving financial, administrative, and operational issues relating to new and

12/91 to 4/96 existing customers by completing credit write-ups (including loan proposals) and providing detail to outside counsel to workout deals. Initiated standard loan documents and closings.

Credit Analyst/Asst. Loan Officer (9/93 to 11/95)

Assembled and analyzed credit information such as financial statements and industry reports to project the credit risk of potential and existing customers and prepared credit write-ups for lenders and management in the Delaware Valley. Deals were decisioned by a committee.

Field Auditor (12/91 to 9/93)

Conducted collateral and financial audits of bank customers to determine bank’s collateral position. Communicated findings to management. Also, trained junior auditors.

August 1988 to Assistant Market Center Controller

April 1990 Responsible for financial reporting to corporate office and full bookkeeping duties

ARATEX SERVICES including general ledger to trial balance and forecasting. Supervised clerical staff (11).

(Sub. Of ARAMARK Ensured compliance with internal controls throughout the uniform laundry/plant.

Cherry Hill, NJ

June 1981 to Internal Auditor (6/86 to 8/88)

August 1988 Performed financial and operational audits of field components (dining services) throughout

ARAMARK, Inc. the U.S. (Requiring 65% travel). Accountable for planning of audit engagement.

Phila., PA Communicated findings to management. Trained staff.

Internal Auditor Trainee through Inroads/Philadelphia, Inc. (6/81 to 6/86)

EDUCATION: Bachelor of Science: Accounting, DREXEL UNIVERSITY, Phila., PA

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