Mag. Irma Pamuk

Merger between Umpqua Bank and Sterling Bank in May, 2014. Responsible for analyzing balance sheets, income statements, cash flow statements and financial rations in order to produce accurate and timely credit analysis on the basis on financial spreads, market data analyses, peer analyses, cash flow models and forecasts. Ongoing monitoring of $70Million commercial and agriculture portfolio.In charge of training new bankers and analysts on the basics of financial analysis through Moody’s Training Services.

In charge of monitoring a $69Million commercial and agriculture portfolio. Responsible for difficult technical tasks and increased technical supervision of peers. Helped establish the first commercial credit analyst group within Sterling Bank by helping create new policies and procedures. Successful implementations lead to a Bank wide adaptation of the Commercial Analyst Groups within all regions of the Bank’s footprint.

Responsible for monitoring a $30Million commercial and agriculture portfolio. Analyze financial data in order to make recommendations with regards to credit. Prepare credit submissions to credit administration with recommendations for approval. Responsible for managing risk within risk rating guidelines. Prepare analyses with projections and other justifications to check or reset loan covenants based on performance or credit and/or financials of borrower and/or guarantor.

Business Administration

International Business

International Business