Candice L. Ammons
Franklin
Summary
Experienced with credit evaluation, risk assessment, and financial analysis. Utilizes keen analytical skills to provide accurate credit recommendations. Track record of collaborating with teams to achieve financial stability and growth.
Overview
24
24
years of professional experience
Work History
Commercial Credit Analyst II
First Horizon Bank
06.2023 - Current
- Works directly with deal team (Relationship Manager and Portfolio Manager) to complete the credit analysis by analyzing and underwriting all new loans, renewals, and annual reviews within the RM/PMs’ portfolios, manage loan covenants on all relationships, complete financial spreads in CreditLens, complete grading in Moody’s once a spread has been completed, and input loan information and documentation into Ncino.
Tax Preparer
Moore Refunds
11.2022 - 05.2023
- Prepare and file individual tax returns with schedule C’s and E’s, meet with customers to review results with them, prepare W2s and 1099s for our business customers, prepare extensions.
Senior Mortgage Underwriter
First Citizens Bank
03.2020 - 10.2022
- Underwrite and evaluate residential mortgage loan applications to provide quality loans to FNMA, review loan files and make independent loan decisions (approve or deny loans and exceptions within my lending authority), analyze credit documents, income documents, tax documents, appraisals, complete assigned daily loans and resubmittals in a timely manner, determine loan conditions and communicate conditions to processors and loan officers.
Secondary Market Manager
Entegra Bank
12.2017 - 03.2020
- Sold loans on the secondary market to Fannie Mae, US Bank, and FBC, post daily rates, oversee rate exception requests, lock, extend, and relock loans, interact with Mortgage Department when issues in data arise, shipped loans to investors, calculate monthly profit and report to the accounting department and Mortgage Director, assist in the writing of the Secondary Market Policy and Procedures in the Credit Risk Management Manual. In April of 2018, MIAC started hedging our Fannie Mae pipeline. I developed the report in Encompass based on MIAC’s criteria, communicated daily with MIAC on lock, fallout, changes in LTV, etc.
Underwriting Manager
Entegra Bank fka Macon Bank, Inc.
04.2013 - 12.2017
- Supported and assisted underwriters in reviewing credit applications, prioritized rushes and newly submitted loans to meet required turn around times, assisted staff with any appraisal issues and underwrote all appraisals to investor and in-house (ATR) guidelines, assisted the Compliance and Credit Risk Departments write the Ability to Repay guidelines, sold loans on the Secondary Market to Fannie Mae, US Bank, and FBC, locked, extended, and relocked all mortgage loans, posted daily rates, purchased, extended, or paired off contracts with Fannie Mae, oversaw all exception requests (LTV, Rate, ATR), analyzed hardship requests on mortgage and home equity loans, processed and completed modification requests on mortgage and home equity loans, reviewed ECOAs, and prepared monthly reports (Profit on Loans Sold and Monthly exception reports) for the bank.
Internal Loan Review Manager
Macon Bank Inc.
09.2009 - 04.2013
- Reviewed and assessed the credit quality of all new loans in excess of $500,000 (non-conforming), all participations, all brokered loans, and all lot loans over $50,000, all non-real estate loans over $100,000, a random sample of all other loans, all modifications each month, reported all loans reviewed and material exceptions to Officers’ Loan Committee, conducted loan review meeting weekly, pulled a prefunding review list weekly for the residential mortgage loans, prepared MERS reports monthly and quarterly and report to Officers’ Loan Committee, sent monthly sold loan list to Adfitech monthly, uploaded documents to Adfitech, and reported findings with a code 2 and above to Officers’ Loan Committee. Assisted and Compliance department preparing for the FDIC/State Exam, Credit Risk Management, and Crowe audits.
Credit Standards Officer
Macon Bank Inc.
10.2006 - 09.2009
- Duties included analyzing large customer relationships, preparing annual review reports on large relationships, audit commercial and mortgage loan files for compliance and fraud, report findings to supervisor, review loan maturing reports, review concentrations each month, annual audit prep for FDIC and State Regulators, quarterly audit prep for Credit Risk Management, and prepared monthly benchmarking reports.
Commercial Credit Analyst
Macon Bank Inc.
06.2003 - 10.2006
- Duties included analyzing loan requests, reviewing appraisals, making recommendations to senior management, preparing write-ups, cash flows, commitment letters, modifications, and ECOAs, approve/deny loans within my loan authority, answer loan officer’s questions, make sure the loan is in compliance and within the bank’s guidelines, prepare reports, and handle all Capital Access loans.
Mortgage Loan Processor/Closer/Funder
Macon Bank Inc.
09.2001 - 06.2003
- Duties included gathering documentation to verify income, assets, other real estate owned, recommending approval, closing, and funding mortgage loans, making sure loan is in compliance and within the guidelines, reviewing appraisals, and prepared ECOAs.
Education
Bachelor of Science - Business Administration, Accounting and Corporate Finance
Western Carolina University
Cullowhee, N.C.06.2001
Skills
- Microsoft Word, Excel, PowerPoint, Outlook, Internet, Easy Lender, Encompass, Fiserv, Intuit, ACBS, BSE, Treasury Management Dashboards, Ncino, Arx, Intuit, and Teams
Timeline
Commercial Credit Analyst II
First Horizon Bank
06.2023 - Current
Tax Preparer
Moore Refunds
11.2022 - 05.2023
Senior Mortgage Underwriter
First Citizens Bank
03.2020 - 10.2022
Secondary Market Manager
Entegra Bank
12.2017 - 03.2020
Underwriting Manager
Entegra Bank fka Macon Bank, Inc.
04.2013 - 12.2017
Internal Loan Review Manager
Macon Bank Inc.
09.2009 - 04.2013
Credit Standards Officer
Macon Bank Inc.
10.2006 - 09.2009
Commercial Credit Analyst
Macon Bank Inc.
06.2003 - 10.2006
Mortgage Loan Processor/Closer/Funder
Macon Bank Inc.
09.2001 - 06.2003
Bachelor of Science - Business Administration, Accounting and Corporate Finance
Western Carolina University
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