Summary
Overview
Work History
Education
Skills
Timeline
Generic

Michaela Miller

Greeley,CO

Summary

Credit professional with extensive experience in analyzing credit data and financial statements to assess risk and ensure compliance with lending standards. Known for collaborative approach and delivering results that align with company goals. Reliable and adaptable, possessing strong analytical skills and attention to detail.

Overview

17
17
years of professional experience

Work History

Banking - Portfolio Manager/Loan Assistant

Firstier Bank
02.2025 - Current
  • Improve overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
  • Contribute to team success by proactively identifying areas for improvement in processes and procedures.
  • Support loan officers in obtaining necessary documentation for successful loan applications.
  • Conduct periodic reviews of existing loans to ensure continued compliance with applicable guidelines and regulations.

Loan Review Officer

Bank of Colorado
01.2017 - 10.2021
  • Perform audit functions to assess the strength of the bank's loan portfolio
  • Conduct Loan Review Reporting and Executive Meetings
  • Maintained strict adherence to industry regulations, minimizing risk exposure for the organization.
  • Mentored junior loan officers, providing guidance and support to foster better lending practices.
  • Conducted regular stress tests to assess potential vulnerabilities within the loan portfolio, ensuring adequate capital buffers were maintained.
  • Streamlined the loan approval process by creating user-friendly templates for presenting credit analyses to decisionmakers.
  • Mitigated potential losses by continuously reviewing existing loans for signs of increased risk or deterioration in credit quality.
  • Recommended approval or disapproval of commercial, real estate or credit loans.
  • Recommended appropriate risk ratings and assisted with loan workout process.
  • Checked appraisals, title information, legal and insurance documents for proper documentation.
  • Tracked policy exceptions to review and enhance underwriting guidelines.
  • Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.

Portfolio Manager/Credit Analyst

Bank of Colorado
06.2015 - 01.2017
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
  • Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
  • Gathered loan documentation for underwriting.
  • Complete market research, compile data, and prepare loan presentations.
  • Conducted Appraisal Reviews and Sales Comparisons.
  • Mentored junior analysts, sharing best practices and fostering their professional development in credit analysis techniques.
  • Participated in loan committee meetings to provide input on lending processes.
  • Achieved recognition for outstanding accuracy and diligence in credit analysis, setting benchmark within department.

Banking - New Accounts/Consumer Banker

Bank of Colorado
09.2013 - 06.2015
  • Streamlined account opening processes, reducing wait times for new customers.
  • Improved client retention rates by proactively addressing concerns and providing timely resolutions to issues.
  • Developed in-depth understanding of bank policies, procedures, and regulatory requirements, ensuring consistent adherence across all tasks performed.
  • Built strong rapport with clients through excellent communication skills and genuine empathy towards their needs.
  • Executed wire transfers, stop payments and account transfers.
  • Trained new hires on customer service policies and procedures.
  • Conducted consumer lending including car loans and small personal loans.

Universal Banker

Community Banks of Colorado/TBK Bank
07.2008 - 09.2013
  • Helped with Change Management during the transition from Bank of Choice to Community Banks of Colorado and then again when I worked for Colorado Community Banks which transitioned to TBK Bank.
  • Opened checking, savings, money market and certificates of deposit accounts and ordered checks, debit cards and furnished online banking details to facilitate new transactions.
  • Cashed checks, accepted deposits and withdrawals within assigned limits and calculated daily transactions using computers, calculators or adding machines.
  • Supported branch operations, ensuring compliance with all federal and state regulations as well as bank policies.
  • Improved customer satisfaction by providing personalized banking solutions and addressing client needs promptly.

Leadership Development Coach

Spiirall
01.2023 - 12.2024
  • Conducted workshops on topics such as emotional intelligence, change management, and strategic planning to improve overall leadership capabilities among managers.
  • Utilized psychometric tools such as DISC assessments to provide valuable insights into individual personality types and preferred communication styles within teams.
  • Enhanced employee leadership skills by conducting personalized coaching sessions and assessments.
  • Measured program effectiveness through ongoing evaluations and feedback from participants, continuously improving content delivery methods.
  • Developed comprehensive training programs for managers, resulting in improved team performance and collaboration.

Lifestyle/Leadership Coach

Self
01.2020 - 01.2023
  • Managed multiple simultaneous coaching engagements while maintaining strict confidentiality protocols between clients.
  • Utilized a variety of coaching techniques to accommodate different learning styles, ensuring effective skill transfer for all clients.
  • Developed comprehensive coaching programs for clients, resulting in increased confidence and decision-making abilities.
  • Evaluated client performance against established benchmarks, adjusting strategies as needed to achieve desired outcomes.
  • Fostered strong relationships with clients to build trust and create an open, comfortable environment for growth.

Education

BACHELORS OF BUSINESS - MANAGEMENT

CSU Global Campus
Fort Collins, CO
01.2015

ASSOCIATES OF BUSINESS -

Aims Community College
Greeley, CO
01.2012

Skills

  • Strong Analytical and Critical Thinking Skills
  • Proficient in Fiserv/Sharepoint/Excel
  • Employee Training and Enrichment
  • Client relationship management
  • Loan analysis
  • Attention to detail
  • Financial statement analysis
  • Report writing capabilities
  • Due diligence
  • Presentation skills
  • Effective communication

Timeline

Banking - Portfolio Manager/Loan Assistant

Firstier Bank
02.2025 - Current

Leadership Development Coach

Spiirall
01.2023 - 12.2024

Lifestyle/Leadership Coach

Self
01.2020 - 01.2023

Loan Review Officer

Bank of Colorado
01.2017 - 10.2021

Portfolio Manager/Credit Analyst

Bank of Colorado
06.2015 - 01.2017

Banking - New Accounts/Consumer Banker

Bank of Colorado
09.2013 - 06.2015

Universal Banker

Community Banks of Colorado/TBK Bank
07.2008 - 09.2013

BACHELORS OF BUSINESS - MANAGEMENT

CSU Global Campus

ASSOCIATES OF BUSINESS -

Aims Community College

Similar Profiles

CREATE PROFILE
Michaela Miller