Aaron Malmstrom: Business Credit Expert | Underwriting | Portfolio Management | Banking in Salt Lake City Metropolitan Area, UT

• Underwrote complex loan requests across various sectors (CRE, Multi-Family, Equipment, ABL). • Collaborated on the development and implementation of automated decisioning software for streamlined loan approvals. • Trained and mentored junior underwriters, fostering a strong team environment.

• Loan origination and business development both from existing portfolio and new to bank. • Maintained portfolio of approximately $90 million. • Loan structuring on various types of credit ranging from commercial real estate, working capital lines of credit, equipment loans, high net worth personal loans and letters of credit. • Performed loan presentation and recommendation to executive loan committee. • Cradle to grave portfolio maintenance and relationship management including problem loan workout.

• Completed credit approval documents with full underwrite and analysis of business and personal financial condition. • Designed and implemented automation used to reduce underwriting time and to improve credit quality. • Worked with multiple departments to standardize processes and reporting, applying effective communication strategies to ensure team efforts are in unison. • Provided support to loan officers in loan structuring, credit risk rating, and loan pricing and adherence to regulatory requirements. • Experience responding to regulator exam questions (OCC, FDIC).