Credit Analyst, accounting
Resume:
Nancy (Mandy) Shepherd
Stuarts Draft, VA *****
*********@*****.***
Experience
Self-Employed Micro Business
● Design and produce custom projects using CO2 lasers (Aeon Mira 9 100W, OmTech Polar 50W), diode and infrared lasers (XTool F1), 3D printing (Bambu Lab A1 with AMS Lite), and cutting tools (Silhouette, Cricut).
● Work with a variety of materials, including MDF, veneered plywood project panels, cast and extruded acrylic, leather, cork, cardboard, and cardstock for laser cutting and engraving.
● Create vinyl designs using Silhouette and Cricut cutters, working with permanent, non- permanent, and heat transfer vinyl for t-shirts, apparel, signage, and custom graphics.
● Create custom stencils with the Silhouette cutter for engraving stainless steel tumblers using a blasting cabinet and air compressor with aluminum oxide blasting media.
● Host painting parties in partnership with local restaurants and breweries, providing all supplies, including laser-cut puzzle art, to create unique and engaging experiences for participants.
● Operate a self-converted Epson 7710 sublimation printer and heat press to produce custom sublimation designs on fabric and other substrates.
● Use Lightburn, Silhouette Studio Business Edition, Canva, Cricut Design Space, and XTool Creative Space to develop designs, optimize cutting paths, and prepare files for production.
● Maintain and troubleshoot equipment, including laser alignment and material settings for optimal cutting and engraving results.
● Utilize woodworking tools such as a miter saw, drill press, orbital sander and drill, with limited experience on a table saw, to refine and assemble finished pieces.
● Apply basic sewing and serging techniques to create fabric-based products.
● Develop product prototypes and small-batch custom items, refining designs through iteration and material testing.
● Manage project workflows, ensuring efficiency in material use, design execution, and production timelines.
2019-2024 Farm Credit of the Virginias Staunton, VA Credit Analyst
● Assessed borrowers’ financial profiles, ensuring alignment with underwriting standards and credit philosophy.
● Conducted credit analyses, financial projections, and narrative reports for loan requests and renewals up to $250,000.
● Made independent loan recommendations and analyzed distressed loans, collaborating with the Special Asset Group (SAG) for solutions.
2019-2020 Moms in Motion, Inc. Front Royal, VA (part-time) Service Facilitator
● Supported and advocated for families in navigating the VA Waiver Program through home visits and ensuring uninterrupted services.
● Reviewed important client documentation, gathered necessary signatures, and provided ongoing support to enhance client self-sufficiency.
● Built strong, compassionate relationships with clients from diverse backgrounds, ensuring their needs were met with professionalism and empathy.
2018-2019 United Bankshares Inc. Harrisonburg, VA
Portfolio Manager
● Led full-cycle loan underwriting and analysis, preparing term sheets and credit approval requests.
● Coordinated with internal teams to facilitate loan closings, monitor documentation, and manage maturing loans.
● Managed third-party appraisals, environmental reports, and resolved documentation exceptions. 2005-2018 Atlantic Union Bank Staunton, VA (formerly Union Bank & Trust, StellarOne Corporation and Planters Bank & Trust)
Business Banking Underwriter
● Analyzed financial statements, cash-flow data, and collateral to determine loan approval for business loans up to $250,000.
● Guided relationship managers on loan structure, documentation, and regulatory compliance.
● Managed loan renewals, portfolio monitoring, and provided credit risk ratings. 2005-2010 StellarOne Corporation Staunton, VA (formerly Planters Bank & Trust Company) Consumer Underwriter & B2B/B2C Support Specialist
● Analyzed loan applications, credit reports, and collateral to ensure compliance with consumer loan policies.
● Communicated effectively with internal staff on approvals, counteroffers, and additional product offerings.
● Maintained compliance with State/Federal guidelines while managing a high volume of loans. 2005-2008 Planters Bank & Trust Company Staunton, VA Commercial Loan Assistant
● Managed loan documentation, gathered financials, and prepared reports for senior management.
● Facilitated loan closings and prepared global cash flow analyses using Excel.
● Handled construction draws and coordinated with clients and attorneys for loan disbursements. Volunteering & Leadership Experience
2013-2018 Special Education Advisory Committee (SEAC), Augusta County, VA Chairperson
● Led and coordinated efforts to provide a voice for parents and individuals with disabilities in shaping educational services.
● Organized committee meetings, collaborated with school officials, and facilitated parent engagement.
● Developed resources and initiatives, including workshops and off-site visits to assistive technology programs.
2013-2020 Girl Scout Troop Leader, Fishersville, VA
● Led and mentored 8-23 Girl Scouts, fostering leadership skills and teamwork.
● Organized troop meetings, community service projects, and outdoor activities.
● Coordinated large-scale events and fundraisers in collaboration with parents and volunteers. Education
Concord University Athens, WV
B.S., Business Administration with a concentration in accounting. Graduated cum laude. Software
CRM, CLX, DecisionPro, Moody’s, Baker Hill, Microsoft Office and various other banking systems.
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