1. April J. Coulter
19332 Pollyanna, Livonia, MI 48152 ~ (248) 752-3224 ~ ajcoulter2@gmail.com
Executive Summary
Detail-oriented Analyst with 16 years of banking experience.
 Successfully completed credit analyst training at Comerica Bank.
 Strong analytical skills.
 Capability to perform result oriented work and maintain high emphasis on accuracy and detailing.
 Rapidly adapt to new technologies and possess expertise in MS Word, PowerPoint, MS Excel, Baker Hill, Risk
Origins, DCORR Risk Rating, DCORR Loan Origination, InfoPath, Hogan, Client Workflow Manager and AFS.
Experience Comerica Bank – Livonia, MI 6/2015 - Present
Post Doc Data Validation Analyst
Analyze and validate loan documents for commercial loans in all markets. Gathers information
from the RECAP, loan documents, AFS and other sources to make sure we have all the required
documents and they are done correctly in order for loan boarding to process the loan(s).
 Engages, interacts and/or consults with peers, other LTS departments, credit administration,
relationship managers, legal counsel, or other internal customers to make sure we have
received the correct information to validate the loan(s).
 Understands and maintains knowledge of legal and regulatory issues to assess degree of risk
in information obtained for various commercial loans.
 Makes sure the correct coding is entered in AFS. Such as the CMA Miscellaneous Code.
 Ensures all key operational metrics, quality, productivity and overall efficiency are met.
Comerica Bank – Detroit, MI 10/2013 – 6/2015
Underwriting Associate I
Support a team of 12 commercial lenders prepare and complete all sections of loan proposals for
key customers. Coordinate work flow and production within loan group to ensure timeliness of
information.
 Prepare various sections of a loan proposal (new money, interim, semi-annual, annual,
extension, revisions, and modifications) and memos.
 Spread complex financial statements in a timely and accurate fashion and identify and
analyze inconsistencies and inaccuracies.
 Write Officer Remarks for various recaps.
 Attend credit meetings.
 Attend customer meetings with the lender(s).
 Prepare and review risk ratings for each customer within the loan group.
 Update schedules for various countries on a quarterly basis.
 Reconcile the 009 report sent to the Federal Government on a quarterly basis.
 Manage and update the Canada workload report on a weekly basis.
 Manage and update the Canada Agenda schedule on a weekly basis.
 Update FRB information as needed.
Comerica Bank – Detroit, MI 6/2006 – 10/2013
Credit Specialist III
Support a team of 3 commercial lenders prepare and complete all sections of loan proposals for
key customers. Coordinate work flow and production within loan group to ensure timeliness of
information.
 Prepare various sections of a loan proposal (new money, interim, semi-annual, annual,
extension, revisions, and modifications) and memos.

2.  Spread complex financial statements in a timely and accurate fashion and identify and
analyze inconsistencies and inaccuracies.
 Maintain a financial statement and covenant tracking system for all customers within the loan
group.
 Prepare and review risk ratings for each customer within the loan group.
 Coordinate and prepare basic Credit Quality Review (CQR) packages.
 Introduce rotating credit analysts or credit specialists to office systems and procedures.
Independent Bank – Troy, MI 7/2005 – 6/2006
Loan Assistant
Assisted Commercial and Business Relationship Managers with origination, closing and
modifying loans, tracking and clearing loan exceptions.
 Reviewed and maintained portfolio of clients including quarterly updates, covenant
compliance and approving draw.
 Maintained and monitored existing and new portfolios of commercial clients.
 Provided general customer support including customer inquiries, concerning loan and deposit
products.
Comerica Bank – Southfield, MI 12/1999 – 7/2005
Credit Specialist I & II
Support a team of 6 commercial lenders prepare and complete various sections of loan proposals
for key customers. Coordinate work flow and production within loan group to ensure timeliness
of information.
 Assist with various sections of a loan proposal (new money, interim, semi-annual, annual,
extension, revisions, and modifications) and memos.
 Spread financial statements in a timely and accurate fashion.
 Maintain a financial statement and covenant tracking system for all customers within the loan
group.
 Prepare and review risk ratings for each customer within the loan group.
 Coordinate and prepare basic Credit Quality Review (CQR) packages.
Education Eastern Michigan University, Ypsilanti, MI
Bachelor of Science in Business Administration, 1999
 Specialization in Finance
Schoolcraft Community College, Livonia, MI
Associate degree in Applied Science, 1996