Maria Syed
Buford
Summary
Accomplished Credit Underwriter with a proven track record, adept in credit analysis and portfolio management. Mentored and trained junior underwriters, fostering professional growth. Demonstrated expertise in SBA SOP guidelines, significantly minimizing financial risks and maximizing returns.
Overview
21
21
years of professional experience
Work History
Credit Underwriting Manager
Wallis Bank
08.2020 - Current
- Ensures efficient workflow management by establishing priorities and monitoring progress regularly.
- Reviews credit packages ensuring accurate evaluation of risks in alignment with established guidelines.
- Mentors junior underwriters and conducts annual performance reviews for team members
- Prepares SBA and Conventional loan credit packages, conventional loans ranging up to $20M.
- Responsible for entering SBA loan in Etran and obtaining PLP numbers.
- Participated in Annual GLQC Events
SBA Credit Underwriter / VP
Ameris Bank
12.2015 - 08.2020
- Achieved a high level of accuracy in analyzing SBA credit requests, resulting in well-informed lending decisions and reduced financial risk.
- Ensured that all credit packages were SBA compliant and consistent with Loan Policy.
- Reviewed Franchise Disclosure Documents, Franchise Agreements assisting with underwriting franchise loans.
- Collaborated with Business Development Officers during the underwriting process.
- Continuously improved personal productivity through ongoing training sessions and staying updated on industry best practices including the SBA's SOP.
Credit Service Manager /VP
State Bank and Trust
11.2012 - 12.2015
- Prepared Conventional and SBA credit packages for loans ranging between $500K and $10M
- Ensured loan structures were consistent with Loan Policy
- Participated in Loan Committees and Director Loan Committees assisting Account Officers with their credit presentations, as needed
- Actively participated in client joint calls with Account Officers.
- Completed Annual Reviews on relationships in excess of $1M.
- Participated in a bank wide Omega credit training
Portfolio Manager / Underwriter / AVP
Embassy National Bank
02.2009 - 11.2012
- Prepared SBA and Conventional credit memorandums for loans up to $3-5M per bank limit
- Assisted in underwriting and evaluating loan purchases vie DebtX
- Participated in Loan Committees and prepared minutes
- Prepared month-end, asset quality and concentration reports
- Monitored loan maturity reports and was responsible for underwriting loan renewals.
- Participated in various RMA trainings including cash flow, appraisal evaluation, commerical credit, global cash flow, lending to municipalities etc.
FDIC Receivership Contractor
FDIC
12.2008 - 02.2009
- Assisted the FDIC in disposing the assets of the failed Haven Trust Bank
- Performed audits on loan files, identified problem loans and assisted the FDIC in quoting discounts to qualified borrowers.
Underwriter
Haven Trust Bank Aka Horizon Bank
04.2004 - 12.2008
- Analyzed credit, income, compliance and appraisals during the underwriting process.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Prepared SBA and Conventional credit memorandums and presented loan requests at Loan Committee meetings
- Prepared minutes for Loan Committee meetings
- Monitored loan portfolio exceptions and loan maturities
Education
Graduate School of Banking -
University of Georgia
Athens, GA05-2009
Bachelor of Science - Finance
Georgia State University
Atlanta, GA05-2003
Skills
- Omega Credit Training
- RMA Credit Training
- Credit Risk Management
- Decision Making Ability
- Attention To Details
- Ability to Work Well under Pressure
- SBA SOP Guideline
- nCino Software
Timeline
Credit Underwriting Manager
Wallis Bank
08.2020 - Current
SBA Credit Underwriter / VP
Ameris Bank
12.2015 - 08.2020
Credit Service Manager /VP
State Bank and Trust
11.2012 - 12.2015
Portfolio Manager / Underwriter / AVP
Embassy National Bank
02.2009 - 11.2012
FDIC Receivership Contractor
FDIC
12.2008 - 02.2009
Underwriter
Haven Trust Bank Aka Horizon Bank
04.2004 - 12.2008
Graduate School of Banking -
University of Georgia
Bachelor of Science - Finance
Georgia State University
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