Lana Giorgobiani

Senior Commercial Credit Analyst with 14+ years of experience underwriting and managing commercial real estate (CRE) and C&I loan portfolios. Expertise in credit underwriting, portfolio risk management, annual reviews, maturity extensions, Asset Recovery transfers, and credit risk assessment for loan facilities ranging from $100K to $40MM. Proven ability to partner with Relationship Managers and senior credit leadership to support sound lending decisions.

Senior Commercial Credit Analyst | Portfolio Manager - BCB Community Bank - Bayonne, NJ

(2012-06)

• Underwrite and manage CRE and C&I loan portfolios ranging from $100K to $40MM. Perform comprehensive credit analysis to evaluate repayment capacity, identify credit risks, and support sound lending decisions.
• Prepare credit memoranda for new loans, renewals, annual reviews, maturity extensions, and Asset Recovery transfers.
• Evaluate collateral, appraisals, loan documentation, compliance, and risk ratings while recommending appropriate credit actions.
• Partner with Relationship Managers, Credit Officers, Closing, Appraisal, and Asset Recovery teams to facilitate timely credit decisions.
• Mentor and train new analysts in underwriting standards and portfolio management.

Customer Service Representative - BCB Community Bank - Hoboken, NJ

(2010-09 - 2012-06)

• Provided customer service, opened accounts, processed transactions, and supported daily branch operations.

Office Manager - The Harris County Hospital District - Houston, TX

(2008-10 - 2009-06)

• Managed office operations and administrative functions, ensuring efficient day-to-day workflow.

Payroll & Staffing Coordinator - St Joseph/Cusack Care Center - Jersey City, NJ

(2004-07 - 2008-10)

• Processed payroll and coordinated staffing, onboarding, and personnel records for 200+ employees.

Leading Economist - Bank of Georgia - Tbilisi, Georgia

(1995-09 - 1999-08)

• Evaluated consumer loan applications, prepared loan documentation, and supported the consumer lending process in compliance with Bank policies.

Master of Economics - Economics - Tbilisi State University (1990 - 1995)

Bachelor's in Law (Jurisprudence) - Law - Tbilisi State University (1992 - 1995)