Humphrey Uti

Experience

1. Credit Risk Officer - Vice President

   Citi

   Mar 2022 — Present · Dallas-Fort Worth, TX, US

   Ranked fourth highest producing Credit Risk Officer within Citi’s small business segment • Granted signature authority on all commercial credit requests up to $1 million in size • Evaluate, structure, and propose new commercial credit loan requests, existing commercial credit line increases, and commercial credit refinances ranging from to $1 million in size • Specialize in several commercial credit types, including healthcare lending, commercial real estate, working capital lines of credit, and equipment financing • Maintain an active pipeline of roughly 4 to 7 credit requests at any given time • Prepare global cash flow analyses, providing an in-depth overview of borrower and guarantor current, historical, and forecasted financial performance • Construct detailed credit memorandums summarizing applicants’ credit requests, business background and financial trends, collateral coverage, and guarantor support to render a final credit decision • Distinguish lending risks and subsequent mitigants specific to the borrower’s business, borrower’s industry, and overall economy • Identify, draft, relay, and monitor approval conditions for final loan approval and funding • Review, research, and mitigate any applicable current/pending suits, liens, and judgements related to borrower and associated guarantors • Communicate with several parties throughout the underwriting process including the borrower, relationship manager, application processing, quality control, and loan closing departments • Completed in-depth credit analysis, tax return, credit memorandum, and case study training coursework

Education

• Southern Illinois University, Carbondale

  Bachelor’s Degree, Finance, 3.75/4.0

  2014 — 2018