Commercial Loan Officer
Piedmont Regional Bank · Charlotte, NC
Mar, 2021 · Present
• Manage a $48M commercial loan portfolio across manufacturing, healthcare, and professional services borrowers.
• Underwrite and close 35–45 new facilities annually (term loans, revolving credit, and CRE-backed facilities) averaging $1.2M per deal.
• Grew fee income 22% YoY by expanding treasury management and interest-rate hedge referrals with existing clients.
• Partner with credit risk to keep portfolio delinquency under 0.8% while meeting production goals.
• Coach two junior lenders on cash-flow analysis, collateral valuation, and relationship planning.
Business Banking Relationship Manager
Queen City Credit Union · Charlotte, NC
Jun, 2017 · Feb, 2021
• Originated and serviced small-business loans and lines of credit for members with revenues $1M–$15M.
• Built a book of 110+ active commercial relationships; retained 94% of relationships year over year.
• Structured SBA 7(a) and 504 packages; closed $18M in SBA-backed volume over three years.
• Led quarterly portfolio reviews and early-warning outreach that cut criticized assets by 15%.
Credit Analyst
Atlantic Coast Financial Group · Raleigh, NC
Aug, 2014 · May, 2017
• Prepared credit memos and financial spreads for C&I and owner-occupied CRE loans up to $5M.
• Modeled debt-service coverage, leverage, and stress scenarios for loan committee packages.
• Supported senior lenders through due diligence, site visits, and covenant monitoring.