Sandra Rodenbaugh

Background

About Sandra Rodenbaugh

Manage the credit analysis of a portfolio containing approximately 35 clients, representing approximately in exposure, each requiring quarterly/semi-annual and annual financial performance reviews, PD and LGD risk ratings and profitability analysis. Utilize independent judgment to identify risks and mitigants, prepares/reviews offerings and/or risk ratings, analyze credit structure, collateral strength and financial worthiness of loan/transaction parties. Adept in the analysis of client historic and projected financial data, sensitivity analysis, industry risk assessments, leveraged lending testing/identification and feasible corporate cash flow to be generated. Knowledgeable in the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting. Analyzes the extension of credit, including overdrafts, for clients of high complexity. Analyzes/reviews credit facility structure and underwriting process within the context of credit policies. Supports scorecard related validation, testing and maintenance activities. Coach and manage personnel effectively to create a “team” environment. Mentor and train junior underwriters regarding practices, credit philosophy and offering preparation. Educates and reviews the work of novice underwriters ensuring a quality product offering. Adept at finding new methods for increasing efficiency in the workplace.