My Resume detailing my experience in the banking industry

1. Antoinette M. Allia
 732-775-7732  732-749-5212  aconnie5212@gmail.com  204 Fifth Avenue  Bradley Beach, NJ 07720
Accomplished and results driven professional recognized for professionalism, commitment to excellence, and
demonstrated ability to communicate and working with senior management, associates, and customers. Have excellent
interpersonal skills, able to collaborate effectively with co-workers at all levels. Self-motivated and can work independently
or in a team. Broad based qualifications include: Credit Management, Collections Portfolio, Time Management, Credit Risk,
Appraisal and Environmental, Compliance, Cash Flow, and Criticized Assets.
AREAS OF EXPERTISE
 EX C E L L E NT ST RA T E GI ST - Provide solutions that boost productivity and efficiency across the organization.
Quickly identify problem areas and implement effective solutions to meet goals.
 EX C E PT I ON A L OR G A N I Z A T I ON A L SK I L L S - Consistently recognized by colleagues for exceptional talents in
needs analysis and problem resolution in fast-paced environments.
 ST R ON G SE N SE OF R E SP ON SI B I L I T Y - Solid professional standards; excellent track record of dependability.
Maintain focus on achieving results while implementing business solutions to meet a diversity of needs.
 AD M I N I ST R A T I ON A N D MA NA G E ME N T - Knowledgeable of business and management principles involved in
strategic planning, resource allocation, leadership technique, and coordination of people and resources.
 CU ST OM E R SE R V I C E - Consistently demonstrate responsiveness, strong customer focus, and ability to build
good customer relationships.
 COM P U T E R SK I L L S – Knowledgeable of computer programs to include Microsoft Office applications, and
banking software such as Merlin, Laser Pro, Fiserv, BankLine, and Cash Insight software for analysis.
PROFESSIONAL EXPERIENCE
Senior Credit Analyst:
Brunswick Bank and Trust  New Brunswick, NJ 2013-Present
 Acquired knowledge through financial courses in college, RMA, financial statement analysis, and internal Bank
Classes in financial analysis.
 Determined and obtained required financial information needed for loan consideration and approval.
 Credit Analysis performed by reviewing financial statements of business entities and individuals and loan approval.
 Ascertained credit worthiness of borrowers after receiving financials from customer and/or prospects.
 Assigned credit risk ratings by using bank’s rating system based on quality of borrower.
 Pre-close and post close review of documentation to ensure correctness of documentation.
 Served as Group Leader for closing department.
Key Accomplishments and Contributions:
Instrumental in setting up a procedure to order and review appraisal and environmental reports to ensure collateral
was appropriate for loan requested amount.
Set up system for bank department to evaluate potential borrowers by researching companies and industries on
line.
Served as liaison between third party consultants and lending officers to manage fees and turnaround times.
Realtor Associate:
The Connolly Agency  Bradley Beach, NJ 2012-Present
 Sell homes in Monmouth and Ocean Counties.
Portfolio Manager – Contract Position:
Northfield Bank  Avenel, NJ 2011-2013
 Interacted with clients to determine reasons for past due accounts and to assist them with solutions in terms of
refinancing or restructuring loans.
 Met with senior management and lenders to discuss findings and arrive at solutions for delinquent loans.
 Assisted other team members by holding brainstorming sessions for difficult loans.
 Initiated meetings with clients and prospects along with Credit Officer to evaluate the best loan for their business
and cross sell bank products.
 Met with senior lending officer on loan modifications and recommended upgrading or downgrading loans.
 Processed renewals, modifications and consumer loans.
Key Accomplishments and Contributions:
Handled periodic review of customer collateral which ensured quality by visiting place of business.
Conducted quarterly review of client’s portfolio which ensured borrower’s adherence to covenants and bank
guidelines.
Portfolio Manager/Credit Analyst:
First State Bank  Cranford, NJ 2008-2011
 Determined and obtained from lending officers the required financial information needed for loan consideration and
approval.
 Visited clients along with lending officer on a continuous basis to ensure covenants were being met.
 Analyzed the financial conditions, capacity, cash flow and other related issues of the borrowers to ensure soundness
and compliance to bank guidelines.
 Evaluated debt ratios, loan to value ratios, credit scores, property valuation and other factors.
 Responsible for maintaining commercial loan credit files to ensure adherence to bank policy.

2.  Handled pre-close and post-close review of documentation to ensure all conditions have been met.
 Served as a liaison between third party consultants and loan officer to manage fees and turnaround times.
Key Accomplishments and Contributions:
Conducted and provided detailed analysis reports of the financial conditions of prospective and present borrowers of
the company by continuously monitoring new and existing bank portfolio to ensure compliance with the bank’s
credit policy.
Met with clients and assisted lending officers with the loan requests to ensure proper documentation was provided
to accurately assess the creditworthiness of the loan.
Credit Support Associate:
Bank of America  Glen Rock, NJ 2006-
2008
 Entered new loans into bank system and handled bank policies.
 Reviewed the status of all loans with Client Managers and Market Executive.
 Followed up with Client Managers list of clients were received in a timely manner.
 Managed portfolio for maturing loans and reviewed financials to be in compliance with
 Promoted to Assistant Vice President within six months of hiring.
Key Accomplishments and Contributions:
Conducted and provided detailed analysis reports of the financial conditions of perspective and present borrowers of
the company.
Credit Analyst:
Independence Community Bank/Sovereign Bank/Santander Bank  Short Hills, NJ 2003-2006
 Ordered and reviewed appraisals and environmental for discrepancies and arranged closings with Borrowers.
 Group Leader for the closing department to ensure documentation was correct and interfaced with outside vendors
to complete the closing in a timely manner.
 Processed advances requested by customers on their Lines of Credit.
 Processed Letters of Credit for bank customers.
 Department closed due to takeover by Santander Bank
Key Accomplishments and Contributions:
Analyzed risk factors involved in lending money to commercial customers, with credit references and third party
credit reports, in order to recommend appropriate credit limits for new and existing customers.
EDUCATION
BS in Business Administration:
College of New Jersey  Ewing, NJ 1986
Appraisal Trainee Certification:
American School of Business  Fairfield, NJ 2011
Associate Degree in Computer Science :
Mercer County Community College  East Windsor, NJ 2000