Vice President Manager

Rejeanna T. Foster

**** **** **** **. *****, MD *0720 PHONE 301/768-0040 E-MAIL abnei5@r.postjobfree.com

Executive Summary

Banking professional with over 30 years experience in credit analysis, lending, and loan review. Proven

track record in credit analysis, portfolio management, small business lending including SBA 7a and 504

loan underwriting, packaging and loan closing, and credit review. Progressive career growth,

responsibility and experience in large commercial and community banks allowing for a wide-range of

experiences and development opportunities.

Dependable and reliable Team-Oriented Mentor

Persuasive Customer-focused Continuous improvement

communicator focused

Detail-oriented, Turnaround consultative High integrity

accurate skills

Professional experience

CITY FIRST BANK OF DC, Washington, DC 2009 – Present

Senior Credit Analyst

Own wide variety of analytics associated with historical financial information and projections.

Spread and analyze a customer’s financial information, assess collateral, delinquency review, industry

comparisons, assess appropriate risk rating, prepare personal and global debt service coverage

calculations.

Written presentations are prepared detailing the findings with a strong assessment of the underlying risk

factors, credit worthiness and risk mitigants/cushions.

Large range of credits to include both commercial and real estate loans.

Spearheaded the Annual Review Process synthesizing critical segmented data assessing risk.

Continuous process improvement of forms and systems.

COLOMBO BANK Rockville, MD 2008 – 2009

Commercial Loan Officer, Vice President

Managed a multi-million dollar commercial loan portfolio made up of 20 relationships from $50,000 to $2.0

million in credit exposure.

New business development, thorough review of all applicant financial data, d etermined credit structure,

pricing, covenants, monitored Bank’s exposure and risk factors.

Loan origination,

Implementation of a formal loan committee process for improved consistency in structuring of deals,

communication among stakeholders. Committee and process remain an integral step in the process.

EAGLE BANK, Bethesda, MD 2003 – 2007

Small Business Lender

Identified, developed, and successfully won prospective small business customers by understanding the

customer’s business needs and objectives.

Successfully leveraged SBA programs to the needs of the client to arrive at a win – win solution.

Grew and managed a $65M commercial SBA loan portfolio made up of over 100 relationships with range

of $100K to $3M.

Customer base included start-up companies, restaurants, day care centers, gymnasiums, and other

companies requiring a government guaranty.

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SEQUOIA BANK, Bethesda, MD 1999 – 2003

Credit Analyst, Vice President

Loan analysis, structuring, and monitoring of a diverse customer base, $250K-$5M range .

Developed reporting system to review, monitor financial statement and collateral policy exceptions;

monitor newly approved credits considered a “watch” credit or worse.

FIRST UNION NATIONAL BANK/McLean, VA 1990 – 1999

FIRST AMERICAN BANK

Credit Risk Review, Vice President 1993 – 1999

Led systematic reviews of the $5M+ commercial loan portfolio

Represented the Bank on due diligence projects during various mergers and acquisitions.

Loan Review, Assistant Vice President 1990–1993

Responsible for analysis and review reportable to Board of Directors

Developed and mentored junior team

KEY BANK, Buffalo, NY 1987-1990

Manager, Loan Review

MARINE MIDLAND BANK, Buffalo, NY 1979-1987

Assistant Vice President, Classified Loans

Education and Training

Oakwood College, Huntsville, AL

Bachelor of Science in Business Administration

VARIOUS COURSES IN LENDING, CASH FLOW ANALYSIS, BANKRUPTCY AND LOAN

REVIEW AMERICAN INSTITUTE OF BANKING, NEW YORK AND WASHINGTON, DC.,

FORMAL TRAINING IN CREDIT ANALYSIS AND DOCUMENTATION – MANUFACTURERS

HANOVER TRUST COMPANY AND MARINE MIDLAND BANK. TRAINED IN MICROSOFT

WORD, EXCEL AND ACCESS, POWERPOINT AND BAKER HILL STATEMENT ANALYZER.

ASSOCIATIONS/AFFILIATIONS

• Robert Morris Association

• Emmanuel Temple School Board, past Chairperson

• Breath of Life Home & School Association, member

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• Annapolis Professional and Small Business Networking Group

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