This document provides a summary of skills and work experience for a candidate named A Constace. Allia. It outlines her proficiency with software like Microsoft Office and banking programs, as well as her experience as a portfolio manager, credit analyst, and group leader for closing departments at various banks. She has over 15 years of experience in banking and currently works as a senior credit analyst and realtor associate.

1. A Constace. Allia
204 Fifth Avenue, Bradley Beach, NJ 07720 732-775-7732 (H) 732-749-5212 (M) aconnie5212@gmail.com
Non-Smoker
Summary of Skills
ProficientinMicrosoftOffice andpossessstrongcomputerskills
FamiliaritywithBankingsoftware suchasMerlin,LaserPro,Fiserv,
BankLine ,Cash Insight software foranalysis.
Special talentforanalyzingsituationsandresolvingproblems
Excellentteamworkerandfunctionswell underpressure
Detail Oriented
ProjectManagementskills
LicensedNotaryPublicandCertifiedNotarySigningAgent
Acquired Proficiencies
Portfolio Manager
Quarterly review of client’s portfolio to ensure borrower’s adherence to covenants and bank
guidelines.
Interacted with clients to determine reasons for past due accounts and to assist themwith
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.
Periodic review of customer collateral to ensure quality by visiting place of business.
Processed renewals ,modifications and consumer loans.
Group Leader for the Closing Department
Ensured documentation was correct and interfaced with outside vendors to complete the closing
in a timely manner.
Responsible for building team structure and maintaining department integrity.
Credit Analysis: acquired knowledgethroughfinancial coursesincollege, RMA,financial statement
analysis,andinternal BankClasses infinancial analysis
Determinedandobtainedrequiredfinancial informationneededforloanconsiderationandapproval
CreditAnalysisperformedbyreviewingfinancial statementsof businessentitiesandindividualsandloan
approval . Ascertainedcreditworthinessof borrowersafterreceivingfinancialsfromcustomerand/or
prospects.

2. Instrumental insettingupaprocedure to order and review appraisal andenvironmental reportsto
ensure collateral wasappropriate forloanrequestedamount.
Actedas a liaisonbetweenthirdpartyconsultantsandlendingofficerstomanage feesandturnaround
times.
Assigned creditrisk ratingsbyusingbank’sratingsystembasedonqualityof borrower.
Setup systemforbankdepartmenttoevaluate potential borrowersbyresearchingcompaniesand
industriesonline.
Pre-close andpostclose review of documentationtoensure correctnessof documentation.
Group Leaderfor closingdepartment.
Work History
Brunswick Bank and Trust 2013-Present
Senior Credit Analyst
Contract Position
The Connolly Agency Bradley Beach, NJ 2012-Present
Realtor Associate -
Selling homes in Monmouth and Ocean Counties
Northfield Bank Avenel, NJ 2011-2013
Portfolio Manager
Contract Position
First State Bank Cranford, NJ 2008-2011
Portfolio Manager/Credit Analyst
Closed by FDIC
Bank of America Glen Rock, NJ 2006-2008
Credit Support Associate
Laid Off due to, then, beginning of the financial crisis
Independence Community Bank/Sovereign Bank/Santander Bank Short Hills .NJ 2003-2006
Credit Analyst
Department closed when Sovereign Bank merged with Independence Community Bank
Education
College of New Jersey Ewing, NJ BS in Business Administration
American School of Business Fairfield, NJ Appraisal Trainee Certification
Mercer County Community College East Windsor NJ Computer Science Associate Degree
Keywords: credit, collections portfolio, manager decision-making, time management, priority,
coordinates, credit risk, detail oriented appraisal and environmental, compliance, cash flow,
customer service, criticized assets