Customer Service Loan Review

Candice P. Neel

386-***-**** · ***********@****.*** · www.linkedin.com/in/candice-murphy

PROFESSIONAL SUMMARY

*** ******* ***** ******** & Casualty Insurance Agent, FL License #G184710

Loan Review Professional (LRP) BAI Certificate in Loan Review from BAI Bankers Training & Certification Center, Chicago, IL.

Proficient with Jack Henry operating system (over 12 years’ experience)

Familiar with DiCOM CQS Loan Review software (4 years’ experience)

Experience using Moody’s credit analysis software

Extensive GAAP knowledge

WORK EXPERIENCE

Brown & Brown Insurance, Inc – Daytona Beach, FL August 2024 - Present

Customer Service Representative

•Responsible for maintaining Insured client policies and providing customer service. Processing policies, endorsements and all related insurance services.

Hancock Whitney Bank – Remote September 2022 – May 2023

Credit Review Analyst

Responsible for reviewing diversified loans to ensure that acceptable credit standards are maintained and the loans conform to established company policy, identify potential loan losses to help establish an adequate loan loss reserve calculation and preparing loan review reports for distribution to account officers and management.

U.S. Bank – Florida Home Based May 2021 – July 2022

Credit Analyst 4 – BBLC Portfolio Management

Responsible for underwriting and making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit.

Prior to making the credit recommendation or advising the person(s) making the final credit decision, the Credit Analyst conducts a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers, sends financial statements for spreading and ensures the spreads are accurate.

Unicon Financial Services – Long Beach, CA January 2021 – May 2021

Loan Reviewer (Commerical) – Contract position

Responsible for assessing the following factors for commercial loans: accuracy of loan grade and risk rating; adequacy of the bank’s underwriting; adequacy of the bank’s loan monitoring; and the accuracy of the bank’s fincancial analyses.

Perform detailed credit analysis on personal and corporate financial statements and review tax returns as part of the credit review process.

Review of commercial loan types including commercial real estate, construction and land development, commercial and industrial loans, asset based lending, trade finance, etc.

Intracoastal Bank – Daytona Beach, FL July 2020 – December 2020

Portfolio Manager (VP)

Oversees all aspects of the bank’s loan risk management function

Provides a wide range of credit and sales support services to the Bank lending group: identification of cross sales opportunities, preparation of credit approval packages, annual reviews, renewals of complex credits, credit and non-credit proposals, coordination of loan closings and non-credit account set-ups

Acts as a secondary contact on client relationships.

Coordinates credit and loan portfolio administration support for several Commercial Relationship Managers.

City National Bank – Charleston, WV July 2011 – May 2020

Loan Review Officer

Credit risk analysis of commercial loan portfolio

oPerform financial analysis of current customers/borrowers financial condition.

oDetermine adequacy of collateral

oReview loan structure and all other aspects to ensure compliance with bank’s Loan Policies and federal regulations.

City National Bank– Charleston, WV June 2009 – July 2011

Commercial Banking Associate (Interim)

Commercial Lending Training Program

oPerformed initial credit analysis of potential customers.

oAttended sales calls with commercial lenders

EDUCATION

Bachelor of Science in Business Administration, Finance concentration – West Virginia State University, Institute, WV. May 2007

Bachelor of Arts in Economics – West Virginia State University, Institute, WV. May 2007

PROFESSIONAL SKILLS

Mastery of Microsoft Office programs (Word, Excel, Outlook)

Comfortable working in Microsoft Windows 10.

Excellent written and oral communication skills.

Outstanding organizational, multitasking, and problem-solving abilities.

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