Hannah Wilcox, MBA

Experience

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  Various Companies

  Jan 2008 - Jan 2011

  Previous Work Experience

  ➤ Sales Representative – Tommy Hilfiger – 06/2011 to 09/2011➤ Checkout Assistant – Fry's Electronics, Wilsonville, OR – 06/2011 to 09/2011➤ Hostess – Camp Tilikum – 05/2010 to 08/2010➤ Summer Staff – Twin Rocks Friends Camp & Conference Center – 05/2008 to 08/2008

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  U.S. Bank

  Sept 2011 - Jun 2018

  ➤ Served as a key liaison for the team with auditors, IT group, and business line partners to develop efficiencies/controls.➤ Assisted with the creation of new operational processes and procedures as well as performed testing for new systems.➤ Coordinated with other work areas as required to ensure compliance with service standards and regulatory deadlines.➤ Functioned as a Subject Matter Expert in new-hire training responsibilities and received Top Performer Award.➤ Distributed workloads, monitored production, and prepared reports to inform management of operational activities. Show less ➤ Assisted lenders with preparation of loan packages to ensure compliance with company policies and regulations.➤ Trained new team members in policies or procedures to meet internal guidelines and established service level standards.➤ Documented noncomplex commercial loans in accordance with terms and conditions of credit approval and bank policy.➤ Received Gold Shield Award for work on Legacy Project and Silver Shield Award for work on a time-sensitive review.➤ Helped team win the 2016 Peak Performance Award for making outstanding contributions to Lending Services.➤ Prepared loan documentation for all loan types including commercial real estate, lines of credit, and mortgages. Show less ➤ Initiated fraud investigations and provided excellent customer service by consistently exceeding goals on call monitors.➤ Consistently ranked in the top 15 to 20% of all 24-hour bankers nationwide and received the Bronze Shield Award.➤ Answered incoming calls and provided high quality support to the bank's credit and debit card customers over the phone.➤ Partnered with multiple departments to service fraud or dispute issues and provided information on existing claims.➤ Documented fraud alerts, built case files, and escalated fraud alerts to appropriate groups while providing claim data. Show less

  • Team Lead/Workflow Coordinator

    Apr 2017 - Jun 2018

  • Loan Documentation Specialist/BL Regulatory Review Representative

    Dec 2014 - Apr 2017

  • Personal Banker/Fraud Liaison Specialist

    Sept 2011 - Dec 2014
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  TCMS - Trotter and Morton

  Jun 2018 - Dec 2019

  Accounting and Business Systems Specialist

  ➤ Managed all Accounts Receivable for the Portland branch while working closely with multi-departmental leadership.➤ Developed training and development plans, assisted with IT support, and made recommendations to improve efficiencies.➤ Handled a significant amount of collections and spoke with customers regularly to follow up on past due items.➤ Assisted with various human resources functions such as onboarding and training as well as IT troubleshooting support.➤ Provided ongoing setup and update support with IT department technicians on mobile devices and company application.➤ Researched differences between Canadian and American laws/regulations and reconciled policies for compliance.➤ Developed and implemented a reorganization of the physical customer files to clean up organization and streamline data.➤ Identified a problem with the security of sensitive information and items and wrote a new access control procedure.➤ Assisted in overseeing district's accounts payable functions including reviewing purchase orders/invoices and check runs.➤ Entered data into the district's financial software system in accordance with accounting policies and internal controls.➤ Set up new vendors and maintained an efficient Masterfile within the financial system following established guidelines.➤ Reviewed purchase card transactions and statements to monitor for compliance with purchasing and system standards. Show less

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  U.S. Bank

  Dec 2019 - Jul 2022

  Credit Analyst

  ➤ Initially coming onboard as Credit Review Specialist before being promoted to Credit Analyst beginning in 2022. ➤ Oversaw credit reviews for line-balanced abbreviated renewals, created job aids for the process, and trained others.➤ Received Silver Shield Award for helping more bank underwriters in being trained to line balance quickly.➤ Mentored new underwriters during training classes and assisted with nCino training sessions for PacNW field partners.➤ Contributed as a member of the Employee Engagement Committee and taking ownership of Get to Know US emails and facilitated bi-weekly meetings.➤ Conducted credit analyses including gathering, analyzing, and interpreting data on existing and prospective customers.➤ Set up and maintained databases, gathered and input data into tracking computer systems and databases.➤ Monitored customer accounts and loan portfolios to identify potential issues and thereby maximize credit quality.➤ Minimized the company's credit risk and potential loss by actively analyzing accounts and customer portfolios.➤ Prepared and presented credit reports for maintaining control over the credit standings of accounts and portfolios.➤ Made lending decisions on new, renewal, and extension loans and furnishing relevant information on credit inquiries. Show less

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  First Interstate

  Aug 2022 - Jun 2023

  Credit Analyst

  ➤ Partnered with management to create and implement a new process for enhanced communication between Relationship Managers and Credit Analysis to streamline request submission.➤ Experienced in Commercial Real Estate, Commercial & Industrial, and other request types for new money, covenant checks, and annual reviews.➤ Prepared financial spreads for businesses and analyzed credit worthiness of commercial applicants and guarantors.➤ Analyzed historical and projection based financial statements, calculated cash flows, identified key risks and mitigation, and conducted research on markets and industries.➤ Compiled comprehensive reports of analysis and assisted Relationship Manager with completing loan reports.➤ Evaluated credit quality, recommended upgrade or downgrade based on current information.➤ Ensured compliance in federal regulations and bank credit policy requirements, and completed financial performance metric covenant testing. Show less

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  U.S. Bank

  Jun 2023 - now

  Officer | Credit Analyst

  ➤ Approving extension of credit and/or making recommendations to the final lending approver for new, renewal, and extension loans.➤ Conducting a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers.➤ Reviewing customer accounts and portfolios to identify, evaluate, and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk for both the customer and the bank.➤ Experience with research and analysis for Commercial & Industrial, Developer & Investment, Owner Occupied Commercial Real Estate, Term Loans, Lines of Credit, etc. Show less