Stephen is an experienced credit risk professional who has analyzed numerous small and medium-sized businesses. His underwriting ranges from deal sizes as large as $25 million to as small as $50,000. In that underwriting, Stephen has created documents exceeding well over 20 pages that have provided executive management and the bank's Board of Directors a document to determine loan approval. Additionally, Stephen has prepared budgets, projections, cash flows, and financial analyses for customers. His exposure in credit analysis extends beyond underwriting to include allowance for loan loss calculations, portfolio management, concentration monitoring, and training and development of new analysts.