I am an experienced banking and credit professional with a career focused on credit risk management, commercial lending, loan review, and financial analysis. Throughout my career, I have developed a strong understanding of evaluating credit quality, identifying risk, analyzing financial performance, and supporting sound lending decisions.

My experience includes reviewing complex commercial credits, assessing borrower and guarantor financial strength, evaluating repayment capacity, analyzing collateral and industry risk, and providing objective recommendations to help financial institutions manage risk while supporting responsible growth. I also bring supervisory experience and a collaborative leadership style, with an emphasis on developing people, maintaining high standards, and building strong relationships across an organization.

I believe effective credit risk management is about more than analyzing numbers. It requires understanding the borrower, the business, the industry, and the factors that could affect repayment over time. My approach combines detailed financial analysis with sound judgment, attention to detail, and a practical understanding of how credit decisions affect both the institution and its customers.

I am continuing to expand my expertise in credit risk and commercial banking and am pursuing professional development through the Risk Management Association (RMA), with plans to take the RMA Credit Risk Certification examination in 2027.

I am particularly interested in opportunities where I can leverage my credit and loan review experience, leadership skills, and analytical background to help an organization strengthen its credit culture, manage risk effectively, and achieve sustainable growth.