Crystal M.

Experience

1. Vice President Team Lead Centralized Commercial Credit Officer

   Atlantic Union Bank

   Apr 2022 — Present

   Responsible for leading a Centralized Commercial Credit Team that supports the Business Banking and Wholesale Banking groups within line of business parameters. Manages the daily activities of an assigned team, including monitoring workflow to ensure customer needs are met in a timely manner. •Performs all duties of the Centralized Commercial Credit Officer position including the evaluation of financial statements and preparation of independent written credit evaluations on most complex business loans and relationships. Analyses identifies the key strengths and weaknesses of that particular borrower, and concludes in the approval or decline of the loan. •Trains Credit Officers as needed and ensures consistency within the department on underwriting analyses and decision making. •Provides leadership of the Team through coaching and training to ensure consistency, quality and compliance for all loan decisions. Training includes financial analysis, loan structure, risk rating, monitored lines of credit, statement spreading, CRE tenant evaluations, personal financial evaluations, and global cash flows. •Manages assigned Centralized Commercial Credit Officer positions, including training, mentoring, coaching, and performance. Develops individual training plans to ensure continued teammate education and growth opportunities. Holds direct reports accountable for meeting production goals and metrics, analytical quality, and professional development. Responsible for performance reviews and establishing high performance departmental and personal goals, salary increase recommendations, counseling and discipline, and promotion recommendations. •Works with Manager to ensure that staffing levels and processes are aligned with the Bank’s strategic plan, production, profitability and credit quality goals. Responsible for hiring and retaining top talent within the Department. Promotes a positive environment with high levels of teammate engagement.

Education

• Carteret Community College

  Associate of Arts - AA

• Carteret Community College

  Associate of Science - AS

• Eastern Kentucky University

  Bachelor's Degree, Public Administration

  2015 — 2016

• William & Mary – Raymond A. Mason School of Business

  Masters of Finance, Finance

  2022 — 2023

• Liberty University School of Law

  Master's degree, Juris Masters

  2018 — 2020