Warisha Wahaj

Manages the loan portfolio containing both C&I and CRE middle market credits and assesses credit quality to minimize risk and potential loss. Additionally, this role partners with Commercial Bankers and Commercial Banking Assistants to gather information for proposed transactions for new and existing clients and analyzes the credit data and financial information to initiate the transaction to be underwritten. As a Portfolio Manager I do plays a crucial role in the loan process by examining the financial data and credit history gathered to help make decisions on lending and credit-worthiness. Do the vendor financial analysis and risk assessment. Review borrowing base certificates. Will be delving into more credit focused tasks.

Commercial Lending - worked alongside of the commercial bankers, portfolio managers, and loan assistants by going on sales calls, maintaining various reports, and attending sales meetings. evaluate clients and potential clients financial needs and develop knowledge of the commercial lending process.
Retail - Retail - gained an understanding of consumer and business finance and credit. did more in depth on front facing customer relationships and needs analysis with our customers. exposed to the vast amounts of banking and financial product opportunities that offer to our customers. In this rotation, worked behind the teller line.
Retail - Operations worked alongside our Operations Area Managers and retail team in day-to-day operations and problem solving for all banking centers within the bank. In this rotation, support the Operations Manager with analysis of operational activities to assess bank performance, oversite of teller ops, BSA, branch security, & business continuity planning, ensure cash needs for bank including ensuring cash balancing is completed daily and monitor the supply of money for the banks needs based on cash limits & business demand and monitor and review bank security procedures and control access to the vault & cash drawers.
Treasury Management worked alongside the Treasury Management Banking Officers to gain understanding of the treasury products and services offered at the bank. research prospects, do account analysis, shadow sales calls and work on various treasury projects. worked closely with the Treasury and Payment Solutions team to understand developing proformas, proposals and customer profitability analysis.
Mortgage worked closely with all mortgage departments, assisting with various duties where there is need. These departments include Processing, Post-Closing and Servicing, gained an understanding of the full lifecycle of a mortgage loan.
Marketing- create social media post, company website other projects.