Tatyana Leeper

Senior Credit Review Analyst with 10+ years of experience in commercial credit risk management, independent loan review, portfolio risk assessment, and regulatory compliance within regional banking environments. Proven expertise evaluating complex commercial relationships, validating risk ratings, identifying emerging credit deterioration, and providing actionable recommendations to senior leadership. Experienced in CRE, C&I, construction, agricultural, and specialty lending portfolios with a strong track record partnering with lenders while maintaining independent risk oversight.

Sr. Credit Review Analyst - Midland States Bank

(2018-01 - 2026-01)

• Assess commercial real estate (CRE), commercial and industrial (C&I), construction, agricultural, and specialty lending relationships ranging from middle-market to complex credit exposures exceeding hundreds of millions in aggregate commitments.
• Independently organize quarterly assignments and schedule discussions with Regional Presidents for consensus on risk ratings; deliver objective risk assessments and strategic recommendations that strengthen credit quality.
• Identify criticized and emerging risk relationships and communicate findings to senior stakeholders; participate in portfolio trend analysis, and quarterly risk reporting.
• Partner with senior management to support the quarterly risk-based Loan Review scoping process/ loan sample selection, contributing to effective portfolio coverage and regulatory compliance.
• Present independent credit risk assessments and portfolio trends to Executive Leadership and Board-level committees, supporting informed risk decisions and strengthening overall credit governance.
• Support regulatory examinations, internal audits, and external reviews by providing independent risk assessments and portfolio analysis.

Sr. Loan Review Analyst - Scottrade, Inc.

(2016-01 - 2018-01)

• Perform independent loan reviews across commercial and consumer portfolios, assessing credit quality, underwriting standards, risk ratings, documentation, and compliance with internal policies and regulatory expectations.
• Complete financial and administrative analysis of each individually assigned sample credit based on the asset quality, file completeness, adherence to the policies, etc. Participated in preparation of final Loan Review Reports.
• Identify problem loans and describe deficiencies; assess the accuracy of risk ratings and ensure consistency with enterprise risk appetite and risk tolerance limits.

Commercial Credit Analyst - Frontenac Bank

(2013-01 - 2016-01)

• Underwrite commercial and consumer loans between $100M - $5MM: Commercial Real Estate, C&I and Business Banking.
• Maintain portfolio of assigned credits; work closely with Loan Officers on obtaining financial information, follow-ups and Annual Reviews.
• As a part of the team, train new credit analysts, review and monitor their performance.

Masters of Business Administration - Webster University (2009-01) Saint Louis, Missouri

Masters in Finance - Dnipropetrovsk University of Economics and Law (2006-01) Ukraine