DEBORAH A.

SMITH
4784 Boston Post Rd, C-34 | Pelham Manor, NY 10803 | 914-819-2827 | dsb824ac@wes
tpost.net
RESULTS-DRIVEN FINANCE EXECUTIVE
Multi-faceted financial expert with comprehensive expertise in the design, devel
opment and management of comprehensive corporate finance. Proven record of deliv
ering practical and profitable solutions to organization-wide challenges. Stron
g planning, communication, and decision-making ability with a talent for proacti
vely seeking out and pursuing opportunities for financial improvement. Specializ
es in the development and implementation of internal controls, establishing best
practices and ensuring maximum efficiency to support organizational growth obje
ctives. Advanced presentation, communication, interpersonal, analytical, and org
anizational skills, with success driving teams, improving procedures and enhanci
ng quality.
CORE STRENGTHS & SKILLS
Financial Analysis
Team Building
Risk Management & Analysis
Portfolio Management
Account Development
Underwriting
Relationship Management
Executive Presentations
Regulatory Compliance
Microsoft Office Suite
Computer Proficiency
Operational Infrastructure
EXECUTIVE HISTORY
ISRAEL DISCOUNT BANK, New York, NY 2008- 2009
Assistant Vice President- Senior Credit Analyst (Commercial Real Estate Developm
ent)
Coordinated and executed financial analysis in the determination of loan request
s, utilizing outstanding financial knowledge and risk management in the underwri
ting process. Collaborated with department relationship managers to ensure regul
atory policy compliance, maintaining operational integrity and industry standard
s.
Selected Accomplishments:
Managed loan requests ranging from $1M- $20M utilizing exceptional risk manageme
nt and financial analysis.
Serviced a multitude of banking facilities in a variety of national markets, mai
ntaining performance standards and corporate procedure.
HUDSON VALLEY BANK, Yonkers, NY 2007- 2008
Assistant Vice President- Senior Credit Analyst (Credit Department)
Examined and evaluated corporate loan packages used in the preparation of new lo
an requests, renewal, and term loan updates, streamlining processes to improve e
ase of workflow. Maintained and monitored credit files and loan applications, en
suring regulatory policy and procedural reliability. Utilized financial knowledg
e to determine risks and examine considerations for accurate loan dispersal.
Selected Accomplishments:
Underwrote loans ranging for $100K to $10M in numerous community markets, provid
ing timely and accurate analyses in accordance with bank procedure.
Collaborated with a team of 7 to establish cohesive, efficient Credit Department
 with exceptional service standards.
Met and exceeded weekly transaction requirements demonstrating a commitment to c
lient service and exceptional relationship management.

2| DEBORAH SMITH

BANCO POPULAR NORTH AMERICA, New York, NY 19

97- 2007
Assistant Vice President- Credit Analyst
Formulated and implemented initiatives and strategies to improve data and financ
ial management, facilitating improved risk analysis and capturing expansion oppo
rtunities. Prepared and analyzed documentation and reporting, establishing effec
tive risk analysis to enhance decision making. Administered financial portfolios
and complex loan transactions in accordance with industry and corporate standar
ds, solidifying communications with relationship managers and customers.
Selected Accomplishments:
Streamlined Loan Risk Rating System, enhancing operational infrastructure and im
proving process efficiency.
Analyzed and underwrote loans of $2M or greater, specializing in real estate and
middle market company transactions.
Organized Annual Financial Update Program to maintain accuracy of term loans and
effective data management.
Presented loan proposals to Loan Committee, demonstrating financial knowledge an
d loan expertise in the presentation of data.
Coordinated loans and counseled with attorneys to determine loan closings, utili
zing multi-faceted industry knowledge and entrenched accountability.
BANK LEUMI TRUST COMPANY OF NEW YORK, New York, NY 1980-
1997
Assistant Vice President, Commercial Real Estate Department
Established and maintained multimillion dollar financial loan portfolio, maintai
ning banking relationships, and serving as a private banker for real estate entr
epreneurs. Analyzed and determined financial data, creating structured portfolio
presentations for an executive committee. Devised and developed collections pro
cedures, procuring outstanding loan balances and maintaining healthy portfolio i
n a difficult real estate environment.
Selected Accomplishments:
Managed a $36M loan portfolio, utilizing financial knowledge and customer relati
ons to increase annual portfolio volume.
Increased portfolio volume an average $4M annually in the management of commerci
al loan portfolio through outstanding relationship management.
Collected over $20M of non-performing loans refining organizational infrastructu
re to optimize revenue gain.
Earned Several Officer promotions beginning as a Platform Assistant and progress
ing to Assistant Vice President, demonstrating corporate commitment and individu
al performance.

EDUCATION & PROFESSIONAL DEVELOPMENT

NEW YORK UNIVERSITY- CONTINUING EDUCATION, New York, NY
Real Estate Lending and Financial Management
PERSONAL COMPUTER LEARNING CENTER, New York, NY
Computer Training Programs
BANK LEUMI, New York, NY
Credit Training
AMERICAN INSTITUTE OF BANKING, Alexandria, VA
General Banking Coursework
ROANOKE COLLEGE, Salem, VA
Coursework towards Bachelor of Arts- English
HIGH SCHOOL educated in Zurich, Switzerland