Customer Service Financial Services
Resume:
Sarah Kathryn Walker
Employment History
VP Commercial Lending/Underwriting, Waterfall/Truist Bank
January 2022 — 2024
● As a Lender, managed new commercial relationships to develop loan portfolio with $25M pipeline ● As an underwriter review portfolio as needed for renewals● Provide analysis for various lines of credit within an assigned territory within the Georgia market as underwriter, and worked specifically with some 15 lenders. Also assist with financial requirements, and guidance for various loan structures including multi-family, CRE, construction lending. Coordinated with various outsourced teams to begin the underwriting process with specific timelines.● Worked with various systems including Salesforce, and Encino for the document process.● Interest rate structures through Moody Systems.
Commercial Associate at Cogent Bank
January 2020 — 2022
Provide lending support for commercial/consumer loans up to $10mm individually, from initial documentation to renewals, including cashflow analysis to financial statement gathering, as well as other underwriting, including documentation review with outside council and funding/booking of new loans. Worked specifically with new clients developing loan structures for new production. ● Provided full gathering/analysis/funding of the PPP loan program, from initial loan structuring with clients to forgiveness of full portfolio for Round 1 and 2 of some 250 clients.● Manage all commercial reporting from monthly meetings to individual file reviews.
President, Walker Review Services
January 2017 — 2020
Loan Review for various banks- Provide annual loan reviews of existing loan portfolio clients for specific banks- Evaluated all aspects of underwriting with portfolio making recommendations of loan grades as well as credit quality within the portfolio.
Underwriter at Profit Loan Servicer, Tampa
January 2012 — 2017
Providing underwriting analysis for Loan & Project Servicer/Administrator for Governmental & Private Clients.- Analysis of both business tax returns and personal tax returns- Determine the cash flow of the project and combine personal/business cash flow to project- Provide detail analysis of real estate based on the individual project- Review of all existing real estate transactions for renewals and structure changes- Utilizing specific guidelines for the various state programs- Managing a pipeline of 60+ loans continually. Previous Banking Career:
SVP at Wachovia
January 2000 — 2012
Commercial Lender as well as Underwriter in merged banks throughout these years. Responsibilities included providing loan growth in banks with established and new clients within existing market.● Underwriter for commercial loans such as real estate, and C&I clients based on cash flow and creditworthiness.● Directed a team of lenders regarding commercial and consumer lending activities, achieving goal of 110%.● Assisted with development of new lending departments; establishing guidelines and procedure sprudent for a profitable commercial lending operation.● Prepared and presented loan packages for Board of Directors and Executive Loan Committee including in-depth underwriting and financial ratio analysis
Education
Masters of Science, Walden University
Bachelors of Science in Business Administration, University of Louisiana, Lafayette
In process of obtaining PMP Certification
Details
***********@*****.***
Skills
Financial Underwriting
CRE-Multi-family Expertise
Equipment Lease Underwriting
Collection Management 10yrs
20+ yrs Commercial Lending
Portfolio Management
Salesforce Experience
Managed Team of 20 Employees
Strong Underwriting Career
Loan Review Expertise
Ratios Analysis
Construction Lending
Lines of Credit
Mortgage Loans
Loan Origination Process
Compliance Training
PPP Underwriting/Foregiveness
Tax Management
Tax Return Analysis
Consultative Approaches
Negotiation Skills
Bankruptcies
Equipment Financing
Innovation Management
Strong Management Skills
BSBA with Major in Finance
MS Informatics
Communication Skills
Creativity
Strategic Thinking
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