Shea Lambert

B.A., History

Winston-Salem State University — Minor in Business

Commercial Portfolio Analyst

Piedmont Federal Bank — Winston-Salem, NC

Risk Analyst

Discover — Remote

• Conduct in-depth financial analysis on prospective and existing network participants to assess ongoing financial viability and creditworthiness.
• Manage portfolio maintenance activities including collection of audited financial statements, covenant compliance testing, and due diligence reviews.
• Collaborate with legal counsel on a regular basis for contract reviews and negotiation of contract amendments.
• Perform monthly exposure report analysis across Merchants, Acquirers, Issuers, and Network Partners to identify high- and critical-risk participants, recommending and implementing mitigation strategies as needed.
• Lead ad hoc risk projects and initiatives as directed by senior management.

Credit Ops Analyst I

Chase — Pilot Mountain, NC (Remote)

• Underwrote and assigned risk ratings for Commercial, Nonprofit, and Government Finance credit card applications, ensuring sound credit decisions aligned with institutional risk appetite.
• Performed comprehensive financial analysis including debt service coverage, cash flow modeling, and liquidity assessment for corporate obligors.
• Evaluated personal financial statements of business obligors, including personal debt service coverage, credit bureau analysis, and adjusted gross income (AGI) from tax returns.
• Rendered credit decisions — approvals, counter-offers, or declines — with clear, well-documented rationale.

Commercial Credit Card Underwriter

ATR International (Contract) — Pilot Mountain, NC (Remote)

• Commercial credit card underwriting role for a major U.S. based bank.
• Worked with relationship managers, prepared credit memos for review, assigned risk ratings based on overall creditworthiness, and decisioned loans within my lending authority.

Career Break — Caregiving

Credit Analyst / Alternate Delivery Analyst

Truist — Winston-Salem, NC

• Performed comprehensive loan reviews for existing corporate clients, analyzing cash flow leverage, debt service coverage, and key financial trends.
• Conducted market analysis for new and existing corporate clients to support credit underwriting and portfolio management.
• Supported Portfolio Management and Capital Markets Corporate Banking teams in a range of underwriting activities.
• Executed risk rating assessments incorporating financial trend analysis, company outlook, liquidity evaluation, and market condition reviews.
• Underwrote Regulation D exposures, including ACH, overdraft, credit card, and line of credit components.
• Proficient in Moody's CreditLens and S&P Capital IQ.

Financial Services Manager

BB&T

• Supervised a team of five credit analysts, overseeing day-to-day workflow, quality control, and professional development.
• Participated in the recruitment, onboarding, and training of new analysts.
• Supported the Capital Markets Corporate Banking team by coordinating with assigned Portfolio Managers and monitoring quarterly covenants for the Mid-Atlantic, Midwest, and Northeast regions.
• Provided financial spreading support to internal account officers across the Baltimore, Greater Maryland, and James River regions.
• Completed the Commercial Lending Shadowing Program, gaining cross-functional exposure to Relationship Management, Portfolio Management, Regional Loan Administration, Commercial Fulfillment, and ARG.

Commercial Credit Analyst II

BB&T — Greensboro, NC

• Analyzed financial statements and completed spreads for various business and personal clients.
• Cross-trained on the Government Finance, Nonprofit, and Commercial Real Estate specializations.
• Earned a spot on the department's Top Performers List multiple times, including six consecutive months.
• Helped with the department's quarterly CCAR initiative.
• Successfully completed the Risk Analyst Academy through BB&T University, including Fundamentals of Financial Accounting, OMEGA, and Business Lending at BB&T.

Lead Member Service Representative

Allegacy Federal Credit Union — Winston-Salem, NC

• Delivered exceptional member service in a lead capacity, supporting branch operations and mentoring front-line staff.