1. DAYNE C. EYER
2321 RALEIGH RD HUMMELSTOWN PA 17036
717-433-6177 | DAYNEE2321@COMCAST.NET
OBJECTIVE
Senior level credit analyst position with the ability to assist in training junior analyst.
AREAS OF STRENGTH AND EXPERIENCE
• Spreading skills using FAST and Baker Hill software
• General accounting knowledge
• Microsoft Office skills
• Knowledge of SBA lending
• Fund accounting knowledge
• Work independently
• Contractor analysis
• Loan documentation
• Communication skills
WORK EXPERIENCE
PNC Bank, East Petersburg, PA July 2008 - Present
Sr. Underwriter II
Responsibilities: Commercial relationships from $1MM to $3MM
Primary responsibilities in Renew & Review were:
• Centralized underwriting primarily on credits over $1.0 million.
• Prepare analysis and approve credit for renewal if under my authority
• Financial analysis to include global cash flow
• Perform risk rating (PD) and collateral rating (LGD) if required
• Determine and list any policy exceptions
• Escalate approval if needed
• Transfer credits to ART (Workout) if needed
• Prepare and finalize risk ratings
• Review credits for transfer from ART back to the market.
Primary responsibilities in New Money:
• A member of an overflow team who assisted new money when needed, i.e. heavy vacation periods or spike in new money
volume. Same duties were performed as above except for ART related items.
Accomplishments:
• Volunteered for new money overflow team approving loans as assigned.
• A member of a risk rating project on a merged portfolio. I performed risk ratings on most of the school district and
municipality relationships.
• Volunteered for a 3-day remote access test which required daily conference calls and feedback.
• Assisted less experienced underwriters with general and fund accounting issues.
First National Bank of Pennsylvania, Harrisburg, PA June 2006 - July 2008
VP - Commercial Lending
Responsibilities:
• To manage the Legacy Bank participation portfolio.
• Business development.
• Assist regional lenders with SBA eligibility.
Accomplishments:
• After the lending staff resigned I spent 3 days a week in Williamsport managing the commercial portfolio which included
meeting customers and closing new loans. This responsibility lasted for 6 months.

2. The Legacy Bank (acquired by FNB), Harrisburg, PA Jan. 2006 - June 2006
SBA Coordinator
Responsibilities:
• Work with lenders and review potential SBA deals for eligibility.
• Complete eligibility paperwork.
• Review SBA files for completeness.
• Review all SBA loan documentation before being distributed to lenders for closing.
• Manage a direct SBA loan portfolio of approximately 25 customers.
• Worked with T-Soft SBA software.
Accomplishments:
• Completed 5 courses towards NAGGL (National Association of Government Guaranteed Lenders) certification.
The Legacy Bank, Harrisburg, PA Feb. 2001 - Jan. 2006
Director of Credit Services
Responsibilities:
• To manage the participation network of approximately 18 banks.
• Managed a portfolio of $20 million in purchased loans and $35 million in sold loans.
• Review all documentation on loans purchased.
• Review and execute participation agreements on loans purchased.
• Work with lenders on structure and terms of loans to be sold.
• Work with lenders to distribute underwriting packages, documentation, and ongoing financial information to participant
banks.
• Create participation agreements on loans sold.
• Create monthly participation relationship report for management.
• Coordinated annual participation meeting to include business meeting and golf outing.
Accomplishments:
• Built a participation portfolio from about $10MM to $55M.
• Created successful participation relationships with other community banks.
Keystone Financial, Inc., Williamsport, PA June 1976 - Feb. 2001
Responsibilities:
Held various position with about 10 years being as a Credit Analyst. In addition, I was a personal analyst and administrative support
person for the Senior Lender of the Bank. Prior to my credit dept. experience I was in loan review and audit. The last two positions
held at Keystone were in loan operations. I was recruited to be the Team Leader for a new centralized department. Then I obtained
the position of Loan Servicing Manager supervising 5 teams totaling about 30 employees.
Accomplishments:
Successfully centralized 5 Business Manager operating departments into one. This reduced cost, created consistency, improved
quality, and reduced charge-offs.
EDUCATION, PROFESSIONAL DEVELOPMENT AND TRAINING
Associate Degree in Accounting
Williamsport Area Community College - Williamsport, PA
Other training:
• Robert Morris Associates
1. Omega Commercial Loans to Business
2. Commercial Loan Documentation
3. Personal Statement Analysis
4. Industry Trends and Analysis
• NAGGL (National Association of Government Guaranteed Lenders)
1. Understanding the SOP 50-10
2. SBA Servicing and Liquidation Regulations
3. Critical Elements of PLP Lending
4. SBA Credit Analysis 101
5. Closing & Funding the SBA Loan