Jodi Kimbrell
Denham Springs,La
Summary
Financial Analyst and Compliance Specialist with over 20 years’ experience in the financial services industry. Skilled at successfully developing and maintaining strategic relationships with both internal and external partners. Valued for the ability to work as a self-directed individual, contributor, as a leader, or a member of a team. Known for attention to detail, excellent communication and organizational skills, and the ability to make sound lending decisions. Recognized for successfully leading special projects necessary to support the goals and objectives of the Commercial Private Banking lending area and the line of business unit. Conducted research and analysis of internal data to identify market changes and trends on a quarterly basis pertaining to credit policy and exceptions. Used this data to prepare reporting for review by internal executive level associates and external business partners such as Credit Risk Management. Made recommendations to internal business partners proposing potential adjustments to improve internal operating procedures; and/or remediate risk to credit policy and regulatory compliance guidelines.
Overview
18
18
years of professional experience
Work History
Credit Analyst 4
U.S. Bank
Baton Rouge, LA
01.2021 - Current
- Responsible for approving the extension of credit and/or 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. - Conduct complete credit analysis including gathering, analyzing, and
interpreting all types of credit information on existing and prospective customers to determine level of risk involved for extending credit. - Review customer accounts and portfolios to identify, evaluate, and
determine the appropriate course of action on potential credit quality
issues in order to maximize credit quality and minimize risk and
potential loss to the company. - In this role, strong analytical skills are utilized, as well as technical
report writing skills. - Ensures that all work is in compliance with applicable laws,
regulations, policies, and guidelines. - Exercise proficient time management skills and computer navigation
skills using a variety of software packages. - Carried out day-day-day duties accurately and efficiently.
- Created plans and communicated deadlines to complete projects on time.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Learned new skills and applied to daily tasks to improve efficiency and productivity.
Commercial Credit Analyst
Investar Bank
Baton Rouge, LA
03.2019 - 01.2021
- Pre-screens and underwrites loan requests related to commercial real estate and commercial/industrial transactions.
- Recommends approval and structure of proposed loans based on analysis of financial statements, tax returns, and other financial information relevant transactions.
- Proactively and effectively manages and completes assignments in high production environment so that service level agreements and turn time targets are achieved consistently without sacrificing quality.
- Reviews borrower financial statements, tax returns and other relevant financial information in order to perform cash flow and reserve analyses.
- Reviews leases, rent rolls and operating statements for multi-family and commercial investment properties; compares property and occupancy and net operating income to comparable properties in the marketplace; and develops pro-forma cash flow statements.
- Reviews title reports, appraisals, environmental site assessments, physical condition reports and other third party reports related to commercial properties offered as collateral in connection with loan requests.
- Assess location, physical condition, economic/investment viability, quality of management, and marketability of commercial real estate offered as collateral.
- Reviews receivables aging reports, inventory reports, equipment valuations and other relevant documentation critical in analyzing commercial and industrial loan requests.
- Assists in on-going covenant monitoring of commercial real estate and commercial and industrial loan requests including monitoring of borrowing bases and approving draws on asset-based lines of credit.
- Reviews borrower organizational documents, credit reports, and other relevant documentation critical to proper credit analysis.
- Independently develops rationale for recommending approval or decline of loan requests.
- Prepares written credit workbooks which include household summaries, loan summaries, transaction explanation, project and global cash flow analysis, guarantor analysis and credit recommendation.
- Conducts periodic and scheduled reviews of loans and loan relationships in accordance with bank policy.
- Assists loan officers in collection of updated tax returns, financial statements, and other relevant documentation required annually or to underwrite new loan requests.
- Ensures that all work is in compliance with applicable laws, regulations, policies and guidelines.
- Assist with completing special projects for compliance to ensure all data is accurate for review by the OCC. (An example is CRA revenue reporting)
Private Banking Underwriter
Capital One Financial Corp
Baton Rouge, LA
01.2014 - 05.2018
- Evaluated Private Banking consumer loan applications for new loan facilities, renewals, and extensions on loan amounts up to $5MM.
- Performed due diligence and gathered information necessary to make sound lending decisions.
- Successfully developed, maintained, influenced, and executed on strategic relationships with internal and external business partners to ensure a seamless process.
- Team Lead for special projects team responsible for conducting research and analysis necessary to support the goals and objectives of the Commercial Private Banking Lending area and the line of business unit.
- Compiled and Analyzed internal data related to quality improvement and compliance monitoring activities for internal use and external audits and maintained relevant records.
- Provided records and reporting for review by internal executive level associates and external auditors, such as Credit Risk Management.
- Conducted quarterly meetings with upper management to discuss policy exceptions reviewed and documented, also made recommendations to proposing potential adjustments to improve internal operating procedures; and/or remediate risk to credit policy and regulatory compliance guidelines.
- Structured and underwrote jumbo credit facilities for loans up to $5MM; striving to achieve the bank’s profitability goals while staying within the bank’s risk parameters. Mitigating and documenting all policy exceptions. Utilizing tools that assisted in determining exposure to regulatory or credit risk.
- Reviewed and Analyzed financial statements, tax returns, and cash flow statements of Borrowers and Guarantors both business and personal to ensure the drive of personal cash flow.
- Prepared written credit approval memorandum and ancillary forms for routine credit facilities adhering to all policies and procedures of the Bank and Line of Business.
- Succinctly discussed financial analysis, risks and mitigates, structuring recommendations and decision justification, in written credit memorandum.
- Performed and verified compliance with loan policy, AML, KYC and all other applicable regulatory requirements.
- Served as the point of contact for coordinating and collaborating with business partners to ensure compliance with regulatory guidelines before, during, and after the underwriting process.
- Fostered and open dialogue and cultivated strong working relationships with Risk Management, Loan Administration, Legal, Compliance, and other groups that support and review the line of business.
- Partner with in-house appraisal staff in ordering and reviewing third party reports such as Appraisal, Environmental and Property Inspections.
- When applicable, negotiated resolutions of any issues that threatened the viability of the deal.
- Partnered with Portfolio Management to proactively manage the loan portfolio; identifying and addressing problems to produce timely loan modifications.
- Assisted with the interpretation of applicable laws and regulations that govern this portfolio.
- Participated in portfolio governance and monitoring this included:
- Quarterly calls with the Bank’s Credit Officer and Commercial Banker to discuss the facilities current status and/or proposed plan of action.
- Annual/Periodic Review, interim financial analysis associated with due diligence in preserving the relationship.
- Monitoring and reporting quarterly policy exceptions for the CPBU department to CRM.
- Created this reporting from large sets of raw data.
- Compiled and Analyzed internal data related to quality improvement and compliance monitoring activities for internal use and external audits and maintained relevant records.
- Provided records and reporting for review by internal executive level associates and external auditors, such as Credit Risk Management.
- Conducted quarterly meetings with upper management to discuss policy exceptions reviewed and documented, also made recommendations to proposing potential adjustments to improve internal operating procedures; and/or remediate risk to credit policy and regulatory compliance guidelines.
Portfolio Manager
Capital One Financial Corp
Baton Rouge, LA
01.2013 - 01.2014
- Created new loan records, established relevant files, prepared and reviewed applications and RESPA disclosures, issued pay off letters, quality reviewed closed loans, and maintained a variety of consumer loan records.
- Partnered with relationship managers to cultivate excellent customer relationships by maintaining a thorough understanding of all bank products and services.
- Effectively monitored application pipelines, to ensure timely loan closings within client expectations and regulatory controls.
- Assisted in the monitoring and analysis of assigned portfolio of Private Banking facilities; managing bank credit exposure.
- Remained up-to-date on all bank compliance regulatory policies and procedures including all pending and proposed regulatory changes affecting bank compliance.
- Performed Quality Assurance reviews of internal completed files on a quarterly basis and documented and presented all findings to internal business partners.
- Reviewed credit agreements for consistency with approved terms; interacted with Bank counsel and participated in the negotiation of credit documentation to ensure compliance with all regulatory guidelines.
- Prepared credit actions to extend new or modify existing loans.
- Assessed exposure, compared valuations and evaluated threats to strategies.
- Developed rebalancing strategies to minimize risk exposures.
- Extensively collaborated with Commercial Banking team, Relationship Managers, Credit Risk Officers, Line of Business Management and support staff.
- Identified and tracked compliance issues and past due payments as well as line availability and opportunities to modify/renew products coming up for maturity.
- Evaluated the credit worthiness of new loan applicants by determining their ability to service existing and proposed debt.
- Researched and understood all aspects of an applicant’s business including its industry, products, competitive position and management to provide additional support to the underwriting team to mitigate risk.
- Increased overall customer satisfaction and loyalty by maintaining pipeline and moving loans quickly, guaranteeing that all private banking clients received white glove service.
Relationship Manager
Capital One Auto Finance
Baton Rouge, LA
01.2010 - 01.2013
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Developed summaries to assess each client's participation level and determine targets for follow-up plans.
- Reviewed applicants’ credit histories and worked with dealerships to structure, decision and fund auto loans.
- Analyzed territory production goals and collaborated regularly with the Area Sales Managers to cultivate and grow business in my territory.
- Established and maintained strong partnerships with dealer principals, finance and sales managers to optimize potential growth.
- Participated in additional projects within COAF to share best practices and assist with the development and capturing of market share in other regional markets.
- Consistently exceeded monthly sales goal usually over 120% of target.
- Ranked in the Top 5 Relationship Managers on a national level across Capital One Auto Finance for profit generated.
- Mid-year 2013 prior to my departure YTD profit was approximately $2.5million with a run rate of 132%.
- Increased dealer share and volume by managing relationships within assigned territory of 60-80 dealerships.
- Provided exceptional service to all partners and consistently elevated dealers to Executive and Premier Status.
- Consistently exceeded monthly sales goal usually over 120% of target.
- Maximized dealer and shareholder satisfaction by working with other departments within COAF to fund loans and troubleshoot dealer issues in a timely manner.
- Assisted with the training of newly hired relationship managers on the auto loan system and COAF’s policies and procedures.
- Examined, adjusted and negotiated changes to pricing, participation and commission of loans.
- Participated in monthly meetings with regional counterparts to share best practices, implement new procedures, and assist with ongoing training of fellow relationship managers within the Southeastern Region of COAF.
Assistant Relationship Manager
Capital One Auto Finance
Baton Rouge, LA
01.2009 - 01.2010
- Assisted team members and dealers in the review and negotiation of loan applications and contract packages, daily structuring of deals and funding of auto loan contracts.
- Cultivated strong relationships with internal and external business partners by maintaining an open line of communication.
- Expedited funding and resolved financing issues by processing and managing reports and conversing daily with finance departments.
- Structured deals and provided education on COAF policy and procedures to ensure compliance.
- Served as a direct point of contact for dealers, utilized problem solving and critical thinking skills to proactively resolve issues thus building and improving COAF relationships.
- Received “Exceptional” ratings on 2009 annual review and was promoted to a Relationship Manager in 2010 after just one year with COAF.
Consumer Jr. Underwriter
Capital One Bank
Baton Rouge, LA
01.2006 - 01.2009
- Evaluated and recommended approval of consumer loan applications for loan facilities up to $1MM; assuring compliance with all credit policies and consumer lending regulations.
- Expertly review and interpret credit bureaus and apply policy to assess risk.
- Maintained a working knowledge of collateral and loan documentation requirements while underwriting requests for five different states; Louisiana, Texas, New York, New Jersey, and Connecticut.
- Attained the highest Underwriting authority level well before it is normally granted.
- Had highest exception authority for position help and no exceptions were ever overturned.
- Worked as a team mentor, trained new employees based on quality audit reviews and assisted with continuous training of peers to develop and strengthen underwriting skills.
- Recognized for “no findings” in the 2008-2009 OCC Fair Lending/Underwriting Audit, a first in the bank’s history.
- Recognized by senior management in 2007 and 2008 for results of a Consumer Loan Satisfaction Survey completed by 3rd party in which 81% of the respondents were “very satisfied” or “extremely satisfied” with their overall loan experience.
- Aided Account Executives and Loan Officers in training of new products and guidelines as well as finding solutions to clear stipulations.
- Yearly application volumes and approval percentages were consistently higher than the department average.
- Served as an advisor answering general underwriting questions for loan processors and originators; assisting in the re-negotiations of loans based on lending guidelines.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
Loan Originator
Hibernia National Bank
Baton Rouge, LA
01.2004 - 01.2006
- Originated various types of consumer and business banking loans.
- Promoted consumer and business banking products to all customers.
- Fielded inbound sales calls and made outbound sales calls to existing customers to capitalize on any opportunities that may exist.
- Consistently exceeded sales goals each quarter in excess of $2.5 million.
- Demonstrated the ability to build strong relationships with customer base as indicated by the consistent number of repeat sales and customer referrals.
- Demonstrated strong communication skills thru my ability to effectively communicate both verbally and in writing with other banking departments to resolve account related issues.
- Gained Experience with heavy customer contact, serving as the main point of contact for consumer and business clients.
- Assisted them throughout their loan process, including the closing and follow up thereafter.
- Consistently exceeded monthly sales/production goals; maintaining a high cross sell.
- Responsible for obtaining all documentation required to complete loan transactions, including underwriting, processing, closing, etc.
- Coordinated loan closings with clients and branch personnel maintaining open lines of communication to ensure a seamless process.
Education
Bachelor of Arts - Marketing, Finance
Southeastern Louisiana University
Hammond, LA12.2002
Skills
- Strong Analytical Skills
- Portfolio & Relationship Management
- Special Projects Team Lead
- Excellent Communication Skills
- Organized/Adaptable/Team Player
- Self-motivated professional
- Experienced with Microsoft Office and Salesforce software
- Relationship development
- Project organization
- Problem resolution
- Verbal and written communication
- Regulatory Compliance
- Decision Making
Certification
Louisiana Banking Association Analyzing Business Tax Returns Training - 2019
Louisiana Banking Association Training the Credit Analyst -2019
Timeline
Credit Analyst 4
U.S. Bank
01.2021 - Current
Commercial Credit Analyst
Investar Bank
03.2019 - 01.2021
Private Banking Underwriter
Capital One Financial Corp
01.2014 - 05.2018
Portfolio Manager
Capital One Financial Corp
01.2013 - 01.2014
Relationship Manager
Capital One Auto Finance
01.2010 - 01.2013
Assistant Relationship Manager
Capital One Auto Finance
01.2009 - 01.2010
Consumer Jr. Underwriter
Capital One Bank
01.2006 - 01.2009
Loan Originator
Hibernia National Bank
01.2004 - 01.2006
Bachelor of Arts - Marketing, Finance
Southeastern Louisiana University
Louisiana Banking Association Analyzing Business Tax Returns Training - 2019
Louisiana Banking Association Training the Credit Analyst -2019
Similar Profiles
Gissele CampaGissele Campa
Client Relationship Consultant at U.S. BankClient Relationship Consultant at U.S. Bank
Khadijah JonesKhadijah Jones
Customer Experience Team Lead at U.S. BankCustomer Experience Team Lead at U.S. Bank
Erica RichardsonErica Richardson
Client Relationship Consultant at U.S. BankClient Relationship Consultant at U.S. Bank