Joanna Watson

• Supervise all facets of the underwriting process including real estate and C&I.
• Foster solid relationships with customers and develop a positive working rapport.
• Fuel new business development by effectively cross-selling all bank products.
• Manage all cash handling tools and investment products that help aid clients in achieving their respective financial goals.
• Maintain a consistent portfolio of existing commercial loan partnerships; also monitor new and existing commercial clientele.

• Ensured overall integrity for a loan portfolio valued at $260M; included provision of business development support for four different lenders.
• Maintained overall credit quality and compliance with credit policies.
• Oversaw all areas of the title responsibility process.
• Guaranteed the soundness of risk ratings and the condition of credit files.
• Underwrote and structured new money requests, renewals, modifications and credit reviews.
• Supervised all facets of the approval process including maintaining the soundness of approval documents.
• Engaged in prospecting and customer service inquiry reply calls as needed.

• Facilitated operations for a full-service banking institution. Formulated lending recommendations for both new and existing client for C&I and commercial real estate clientele with over $750M in exposure.
• Performed underwriting and complex multimillion-dollar contract negotiations for clients in all types of industries.
• Analyzed financial statements; also performed historical and projected cash flow and collateral analysis. Conducted industry and market research as part of the underwriting package development process.
• Assessed risk for commercial customers on an ongoing basis.

• Prepared and examined performance measurement reports for an investment firm; focused on adherence to compliance standards.
• Distributed standardized, customized and ad-hoc reports in a precise and timely manner.
• Assessed evaluation systems, processes and reports in order to detect inefficiencies in numerical calculations and recommend improvements to help eliminate erroneous information.

• Swiftly serviced loans in an agricultural financial institution setting; analyzed relevant business and financial information in order to prepare comprehensive credit reports and industry analyses.
• Ensured fast turnaround time when underwriting to improve to-market speed.
• Trained new personnel and developed innovative new product offerings.
• Effectively monitored requirements for borrower reporting, loan covenant calculations and circulation of materials to loan applicants. 

3.9 GPA

3.4 GPA