Keith Williams

About Keith Williams

Senior Credit Analyst with over a decade of progressive commercial banking experience. Commercial Underwriter with a broad range of experience in corporate lending and risk analysis. Resourceful team player with excellent analytical skills, strategic vision, and the ability to resolve problems logically and creatively. Results-focused, quality-driven professional with extensive experience in portfolio and risk management in commercial lending and customer retention. Skilled in financial analysis, research, and credit evaluation of mid-size firms to publicly traded companies. Underwriting expertise in the general industry including contractors, federal contractors, medical/dental practices, and investment real estate.Specialties include but are not limited to- Syndications and Structured Finance- Public Finance, and Non-Profit- Commercial Banking and Small Business Lending- Leveraged Cash Flow Transactions- Enterprise Value Lending- Veterinary, Dental, and Medical Practice Finance- Commercial Real Estate LendingIn addition to my background in banking, my professional experience extends to real estate development both domestically and internationally. My focus in real estate is centered around transformative practices that aim to build sustainable and affordable communities. Domestically, my operations are primarily located in Philadelphia and Wilmington, DE. Internationally, my work extends to Accra, Ghana.

Experience

1. Vice President, Sba Underwriter

   Colony Bank

   Jan 2023 — Present

   Enhanced Financial Analysis: Performed rigorous analyses of borrowers\' financial statements and key operational metrics. • Dynamic Financial Modeling: Utilized advanced financial modeling techniques to project future cash flows, analyze financial ratios, and assess potential risks. • Tailored Loan Structuring: Demonstrated expertise in structuring loans, including modification of existing loans.

Education

• Saint Joseph's University

  Post Baccalaureate Certificate, Organizational Development and Leadership

  2012 — 2014

• Delaware State University

  Bachelor's degree

  2003 — 2007

Skills

• Strategic Planning
• Small Business Lending
• Organizational Effectiveness
• Cold Calling
• Sales Process
• Credit
• Marketing
• Customer Service
• Risk Management
• Financial Analysis
• Business Development
• Banking
• Loans
• Mortgage Lending
• Commercial Lending
• Insurance
• Finance
• Credit Analysis
• Salesforce.com
• Consumer Lending
• Retail Banking
• Underwriting
• Mortgage Banking
• Relationship Management
• Lines of Credit
• Financial Services
• Commercial Banking
• Portfolio Management
• Cash Management
• Sba
• Wealth Management
• Mutual Funds
• Cross Selling
• Strategic Financial Planning
• Financial Planning