Nicole Legawiec Credit Risk Analyst

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Areas of Practice

  • Commercial Credit Analyst
  • Underwriting
  • Loan Presentations
  • Report Preparation
  • Training & Development
  • Loan Review
  • Budget Analysis
  • Policy and Procedures
  • Bond Specialist

Education/Qualifications

  • Accounting Degree (A.S.) Bryant & Stratton College, 2009
  • American Institute of Banking Courses
  • Risk Management Association, Member, 2010-Present
  • RMA Courses:
  • RMA Lending Academy
  • Financial Statement Analysis
  • Analyzing Business Tax Returns
  • Analyzing Personal Financial Statements and Tax Returns
  • Analyzing Construction Contractors
  • Business Writing for Bankers
  • Structuring Commercial Loans
  • Real Estate Fundamentals in Commercial

Experience 

Credit Risk Analyst/Report Writer, T. Gschwender & Associates, Inc.

July 2016 – Present

With over 20 years in community banking, Nicole brings a wealth of experience to this position.  As TGA’s Credit Risk Analyst/Report Writer she is responsible for preparation of financial analysis and reports to meet the specific requirements of each client. This includes all associated credit and risk rating analysis and data validation.  TGA reports are the primary end product provided to our clients following an engagement and are completed to the highest quality and standards.

Commercial Underwriter/Credit Analyst, Solvay Bank

Provided support to loan officers in the credit analysis and underwriting of commercial loan packages.  Including:  Financial statement spreading, logging, tracking, and configuration; complete detailed loan presentations for Board of Directors and Officer Loan Committees; underwrite all Commercial Loan requests of $150K or greater; complete Risk Rating Matrix associated with each individual Commercial Borrower; calculate debt service requirements and cash flows; retrieve necessary reports from DNBi, Kroll-Factual Data, NY Department of State, Property tax inquiries; produce Profitability Reports and review Letters of Credit; review collateral such as Commercial Real Estate, and General Security Agreements etc.; prepare Personal Cash Flow Analysis, Global Cash Flows, and Rental Cash Flows; communicate directly to Senior Management and maintain a professional work relationship and environment; generate monthly covenant and exception monitoring reports to Audit Committee; calculate collateral valuations; knowledge of and adhere to credit policy and procedures.

Credit Administration, Solvay Bank

Member of team managing the daily administration for loan documentation in full compliance with the internal standards and external regulatory requirements.  Duties included:  Review loan documents and liaise with parties to ensure proper and efficient delivery of credit administration.  Conduct periodic review on loan administration policy and procedures to streamline workflow.  Generate, review and maintain loan disbursement reports for presentation to credit committees, and provide monthly reports in accordance to credit policy and guidelines.  Ensure all lending documentation is complete as per policy and procedures with respect to amount of finance, terms and conditions, borrower’s borrowing mandate, authorized signator, etc.  Ensure safe custody and control of all security documents. Responsible for collateral valuation, monitor and reconciliation with original documents. Review reports to identify non performing accounts with irregularities and follow-up to ensure corrective action is taken. Monitor all irregularities, past dues, documentation deficiencies, etc. and report to senior management.