1. JENNIFER MILLER
3016 Crestmoor Ln.
Cincinnati, OH 45238
(513) 375- 0576
cincygrl@gmail.com
RELEVANT WORK EXPERIENCE
First Financial Bank, Cincinnati, OH September 2015- July 2016
Credit Risk Review Specialist II / Assistant Vice President
 Provide an independent and objective evaluation of credit risk, credit controls,and credit
administration.
 Review and critique loan portfolios: Line of Business managed, Regional Level, and Retail.
 Loan Review report generation and meetings with internal customers.
 Completion of annual regional/ line of business managed assessments.
 Attend Credit Review, Line of Business,Problem Loan and other meetings.
 Attend Risk Committee meetings.
 Conduct Specific Reserve Testing for adversely rated credits.
 Training as appropriate.
US Bank, Hamilton, OH August 2007 – August 2015
SeniorCredit Analyst / Credit Analyst Manager SW OH/ Vice President
 Assign and track all loan write-ups and financial spreads for SW OH/ IN.
 Manage a staff of 5 to 6 underwriters.
 Review draft write-ups of credit display for all analysts in the region.
 Review all financial spreads of underwriters in the group prior to completion.
 Manage the Problem Credit Reporting Process for SW OH / IN, Eastern OH, and part of the
Lexington region on a quarterly basis.
 Assist Portfolio Managerwith all financial reporting tracking reports on a bi-weekly basis.
 Underwriting of more complicated credits for assigned areas as well as any overflow work
from the other underwriting Hubs in the division.
 Responsible for all training of new analysts and continuing training of all analysts in the
group.
 Developed a Credit Analyst training program.
 Develop relationships with the lending staff to assist in the smooth transition of the credit
through the underwriting process.
 Responsible for all annual review of credits > $500M in exposure for the assigned regions.
 Responsible for appropriately risk rating commercial loans, private banking loans, and any
other transactions flowing through the underwriting Hub. Risk ratings (PDR) are assigned
according to established Commercial Credit Policy Guidelines.
Merchants Bank and Trust, West Harrison Indiana June 2006- July 2007
SeniorCredit Analyst/ Commercial Credit Department Manager
 Responsible for the underwriting of all commercial loan applications submitted to the department
as well as adhering to compliance policies regarding commercial real estate and fair lending laws.
 Responsible for the work load distribution among the three credit analysts working in the
department as well as the timeliness of the loan turnover within the department.
 Responsible for all commercial real estate appraisal reviews within the bank.
 Assisted the Residential Mortgage department with underwriting/ overflow work as well as all
residential mortgage loans to self employed individuals.
 Underwrote all jumbo residential mortgages for loans over $500,000.
 Performed quality control checks on all commercial loans after the loans had closed.
 Assisted state and federal bank examiners with any/ all aspects ofthe audits.
 Developed training spreadsheets to assist neweremployees learning commercial credit.
 Responsible for calculating the monthly loan loss reserve amount.
 Responsible for compiling and distributing the monthly Loan Analysis Report.
 Responsible for compiling the monthly Loan Concentration Report by SIC code.
 Member of the Bank Compliance Committee.

2. Hamilton County Development Company, Cincinnati OH September 2005- June 2006
SBA 504 Credit Analyst/ Loan Underwriter/ Portfolio Manager
 Responsible for underwriting SBA 504 loan requests.
 Construct the credit memo containing the credit recommendation and make presentations to a loan
committee.
 Identify all necessary items required by the Small Business Administration required to process to
credit request in Sacramento.
 Identify strengths and weaknesses in each loan and address themin the credit write-up.
 Review all loan packages for completeness before sending to Sacramento.
 Assist with the preparation of Commitment Letters to bankers and Customers.
 Responsible for computing 504 loan payoff quotes and the preparation of wiring instructions for
customers and bankers.
 Responsible for all financial statement and insurance tracking for an $85 million loan portfolio.
 Responsible for all collections for the 504 loan portfolio.
Fifth Third Bank, Cincinnati OH June 2003- July 2005
Commercial Credit Analyst/ Commercial Loan Underwriter
 Responsible for underwriting commercial loan requests.
 Provide loan decisions and/ or credit recommendations based on a review of all underwriting
criteria, including loan structure, collateral, interest rate and fees.
 Effectively communicate loan decision to the loan originator.
 Identify and review all necessary due diligence items.
 Assist Documentation Specialist if needed with: loan document order and review, preparation of
the loan closing settlement statement, and preparation of the loan closing statement.
 Provide coaching of the Banking Center staff to enhance their understanding of the Small
Business Customer.
 Identify and communicate cross-sell opportunities discovered during the underwriting process.
SouthTrustBank, Charlotte NC December 2001- May 2003
Middle Market Portfolio Manager
 Retain and expand relationships with existing loan customers.
 Prospect for and close new business relationships.
 Grow net revenue year over year.
 Manage credit quality within the portfolio.
 Develop and implement an effective calling program within the portfolio for existing customers.
 Develop and implement and effective calling program for developing new customer relationships.
 Manage assigned customer relationships and bring in appropriate specialists as needed.
 Resolve customer problems and act as a liaison with otherdepartments, divisions, and subsidiaries
in managing the customer’s relationship with the bank.
 Manage overall customer and portfolio profitability.
 Provide financial counseling,related to commercial banking, to customers.
 Develop and implement strategies for cross-selling bank products and services by satisfying
customer needs through a full array of loan, deposit,cash management, asset management, and
other appropriate bank products and services.
 Responsible for keeping current on lending policies, products and services.
EDUCATION
The College of Mount St. Joseph,Cincinnati, Ohio
 Bachelor of Science in Business Administration, 1996, concentrations in Finance and
Management.
 Proficient in Microsoft Excel and Microsoft Word as well as various other software packages.