Latasha Biggs
Henderson
Summary
Results-oriented credit analyst specializing in risk evaluation and compliance, adept at utilizing technology to enhance remote work capabilities and conduct thorough loan reviews that inform strategic decision-making.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Loan Review Administrator
Field & Main Bank (Remote)
Henderson
05.2025 - Current
- Oversaw quarterly internal loan review schedule, ensuring compliance and enhancing efficiency.
- Executed credit analysis on loan samples, identifying potential performance issues to mitigate risk.
- Scrutinized loan documents for compliance with approved credit terms and policies.
- Investigated real estate transactions to maintain loan-to-value ratios per Reg H regulations.
- Compiled quarterly Reg H LTV report for Board Loan Committee, facilitating informed decision-making.
- Tracked financial ticklers and generated overdue financial statement reports, ensuring timely compliance follow-up.
- Evaluated agricultural loan requests through detailed credit analysis to determine risk and viability.
Senior Credit Analyst
Field & Main Bank (Remote)
Henderson
04.2023 - 09.2025
- Acted as primary analyst for agricultural portfolio, assessing creditworthiness of potential new borrowers.
- Executed responsibilities of credit analyst II role, ensuring compliance and risk assessment standards.
- Conducted loan reviews on selected segments of loan portfolio.
- Supported credit operations manager in managing analyst pipeline, facilitating timely loan reviews and decisions.
- Collaborated with loan officers to enhance credit decision processes.
- Mentored junior analysts in effective credit assessment techniques.
- Communicated findings and recommendations to stakeholders and management clearly.
Credit Analyst II
Field & Main Bank (Remote as of 2020)
Henderson
12.2015 - 04.2023
- Prepared detailed credit reports for management review and strategic decision-making.
- Analyzed commercial clients' financial statements for credit memo presentations to approving authority.
- Evaluated customer performance through analysis of repayment behavior and current account status.
- Interpreted complex financial data, including balance sheets, cash flow, and income statements.
- Conducted underwriting reviews on all loans intended for sale to the Federal Home Loan Bank of Cincinnati.
- Contributed to formulation of credit policies and procedures aimed at minimizing potential risks.
- Compiled weekly reports on delinquency and maturing loans to inform management decisions.
- Managed appraisal order process to ensure accuracy and reliability of appraised values.
- Developed presentations for weekly Officer Loan Committee meetings to enhance decision-making discussions.
Interim Loan Operations Manager
Field & Main Bank
Henderson
05.2017 - 08.2017
- Managed team performance to improve operational efficiency and service quality outcomes.
- Coordinated interdepartmental communication to streamline loan operations and enhance workflow.
- Analyzed operational data to identify areas for process improvement.
- Resolved customer complaints efficiently by investigating discrepancies between actual account information versus what was reported by the customer.
- Guided and directed cross-departmental collaboration to support operational goals.
Loan Operations Specialist
Field & Main Bank
Henderson
02.2015 - 10.2015
- Assisted clients in understanding loan products and requirements.
- Maintained accurate records of loan transactions and customer interactions to support compliance and customer service.
- Resolved customer inquiries regarding loan status and payment options.
- Prepared disbursement requests and funded loans while updating customer accounts in the system to ensure timely processing.
- Ensured timely delivery of funds according to established procedures.
- Investigated discrepancies with loan data and resolved them promptly.
- Collaborated with team members to streamline operational workflows, enhancing overall efficiency in loan processing.
- Performed daily reconciliation of bank general ledger and prepared necessary reports accordingly.
Retail Branch Manager
Field & Main Bank
Henderson
12.2013 - 02.2015
- Oversaw daily operations of the retail branch including opening, closing procedures, cash handling, balancing and security protocols.
- Supervised staff of 10-15 employees, including hiring, training, scheduling and performance management.
- Supervised branch staff and provided ongoing training and support.
- Developed customer service strategies that enhanced satisfaction and loyalty.
- Resolved customer inquiries and complaints with effective problem-solving skills.
- Managed dispute resolution between customers and staff; resolved conflicts promptly and professionally to maintain a positive environment.
- Analyzed performance data to identify areas for optimizing branch operations.
- Developed strategies to improve operational efficiency and reduce costs.
- Collaborated with other departments to ensure smooth running of day-to-day operations at the retail branch.
- Maintained accurate records of employee attendance, absences, vacations, sick days and other time off requests.
Loan Operations Specialist
Field & Main Bank
Henderson
01.2011 - 12.2013
- Executed loan operations tasks adhering to established guidelines, ensuring compliance and accuracy.
Education
Bachelor of Science - Accounting
University of Southern Indiana
Evansville, IN12-2003
Skills
- Credit analysis
- Risk evaluation
- Effective communication
- Problem solving
- Time management
- Reporting and documentation
- Email management
- MS office
- Honest and ethical
- Process improvement
- Sageworks
- FinPack
Certification
Certified Community Bank Credit Analyst
Independent Community Bankers of America'
August 2017
Independent Community Bankers of America'
August 2017
Timeline
Loan Review Administrator
Field & Main Bank (Remote)
05.2025 - Current
Senior Credit Analyst
Field & Main Bank (Remote)
04.2023 - 09.2025
Interim Loan Operations Manager
Field & Main Bank
05.2017 - 08.2017
Credit Analyst II
Field & Main Bank (Remote as of 2020)
12.2015 - 04.2023
Loan Operations Specialist
Field & Main Bank
02.2015 - 10.2015
Retail Branch Manager
Field & Main Bank
12.2013 - 02.2015
Loan Operations Specialist
Field & Main Bank
01.2011 - 12.2013
Bachelor of Science - Accounting
University of Southern Indiana