Credit Analyst

Janice C. Kim-Chung

*** ********* ***** ******, *********, NJ 07020

Voice: 646-***-**** E-Mail: ********@*****.***

EXPERIENCE UNITED COMMERCIAL BANK New York, NY

COMMERCIAL LENDING GROUP 05/08 – Present

Relationship Officer

- Structure credit facilities for the trade finances, commercial real estates, asset-based revolving credits, letter of credit and syndicated credit to ensure optimum balance between customer and bank interest based on the bank policy.

- Perform credit analysis and risk assessment of borrowers and evaluate quantitative credit risk and transactional issues

- Prepare financial statement spreads and written credit analysis for committee and non-committee approval

- Manage portfolios through ongoing monitoring of credit renewal, increases, amendment, waiver and credit/covenant compliance

- Participate in developing effective strategies in managing a small to medium-sized and less complex loan or problem asset portfolio.

- Assist in monitoring activities on facilities to unsure usage is on accordance with approved terms and condition.

- Identify opportunities for cross-selling other bank products and services while ensuring their follow-up by sales personnel.

ATLANTIC BANK New York, NY

A DIVISION OF NEW YORK COMMERCIAL BANK 11/07 – 04/08

(C/O NEW YORK COMMUNITY BANCORP, INC.)

Small Business Underwriter II

- Underwrote the summaries of transactions and credit reviews of borrowers to determine the repayment ability, pricing, terms and conditions of credit approvals

- Evaluated the creditworthiness of existing or prospective borrowing entities by analyzing various financials, D&B reports, tax returns, business plans, personal financial statements.

- Participated in the credit quality management of the Small Business credit portfolio by monitoring and minimizing past due loan payments, expired maturity dates, identifying and reporting problem loans, and developing corrective action strategies

- Ensured the evaluation of each application is performed in adherence to the Bank’s business objectives, credit policies, risk parameters, and underwriting and fair lending guidelines.

EASTERN FUNDING, LLC (C/O Brookline Bank) New York, NY

Senior Loan Officer /Credit Analyst 10/02 – 06/07

- Originated approximately $14.5 million of Commercial & Asset Based business loans/leases in 2006

- Actively involved in business development with vendors and other referral sources by attending trade

shows, conventions and open houses and consulted the prospective customers with site inspections

- Researched credit issues, market competition and interest rates

- Performed quality credit analysis and evaluated historical financial status in large transactions

- Supervised credit staffs in underwriting and developing new loan proposals

- Prepared summaries of transactions by analyzing business and personal financial statements, relevant

federal tax returns, and cash flow projection

- Conducted effective and complete client interview to prepare the appropriate credit package

- Ran credit reports and perform UCC lien searches and state filings, judgment and deed

- Coordinated and conducted in-house closings with attorneys and borrowers

- Prepared and reviewed specialized legal loan documents for funding

EDUCATION ST. JOHN’S UNIVERSITY Jamaica, NY

Bachelor of Science in Business Management May 2001

CERTIFICATION Certificate in 2007 Spring Intensive Credit Training from New York University

LANGUAGE SKILLS Fluent in English and Korean

COMPUTER & Microsoft Office (Word, Excel, Outlook, PowerPoint), Internet Explorer, Adobe Photoshop

SOFTWARE Kirchman Bankway, Baker Hill Bank2Business, Moody’s KMV Financial Analyst, CreditQuest, Capital Stream, Acris, Lexis Nexis, Metavante®

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