Gina Bagley
Indiana
Summary
To obtain a full time remote Portfolio Management or Credit - CRE position that promotes optimal utilization of my skills in credit and financial analysis
Overview
26
26
years of professional experience
Work History
Portfolio Manager II
First Commonwealth Bank
Indiana, PA
01.2026 - Current
- Conduct independent financial statement, covenant, and collateral analysis for existing and prospective clients
- Manage and grow the IRE portfolio in collaboration with the relationship manager.
- Actively monitor and manage maturing notes, expiring commitments, and financial covenant compliance.
- Develop and execute investment strategies aligned with bank and client objectives.
- Analyze market trends to inform portfolio adjustments and risk management.
- Implement compliance measures to adhere to regulatory standards in investment practices.
- Mentored junior staff on best practices in portfolio management.
- Drive initiatives for process improvements, increasing operational efficiency within the team.
CRE Credit Analyst Supervisor
First Commonwealth Bank
03.2021 - 01.2026
- Managing a team of credit analysts to efficiently and effectively complete all necessary assignments for Corporate Investment Real Estate transactions from initial underwriting to annual reviews of the portfolio.
- Compiling and scrutinizing financial data such as market share, income growth, collateral valuations, and prospective returns on equity.
- Analyze/Compare financial statements to determine company performance, profitability, liquidity, and trends to assess current and future stability.
- Analyzing credit and financial reports to determine risk involved in lending transactions relating to investment real estate.
- Analyze company performance to ensure financial covenant compliance.
- Evaluate market risk to produce forward-looking estimates of transaction success.
- Assist with modifications to facilitate closings, maturities, renewals, and expirations.
- Communicating with Borrowers, Lenders, Counsel, and internal departments to manage documentation, maintenance, and financial statement compliance through all cycles of the relationship.
- Creating new risk assessment scorecards to manage portfolio risk tailored to markets of interest
- Previously held positions within this organization for Portfolio management and Senior Credit Analyst
Senior Credit Analyst
First Commonwealth Bank
Indiana, PA
01.2018 - 03.2021
- Analyzed credit data to assess risk and determine loan eligibility.
- Developed comprehensive credit reports for senior management review.
- Implemented new risk assessment models to improve decision-making efficiency.
- Evaluated complex financial statements to identify potential credit risks.
- Collaborated with lending officers to optimize loan structuring strategies.
- Conducted market research to inform credit policy adjustments and strategies.
- Mentored junior analysts, providing guidance on best practices in credit analysis.
Portfolio Manager Corporate IRE
First Commonwealth Bank
Indiana, PA
01.2015 - 01.2018
- Managed diverse investment real estate portfolios to ensure optimal performance and minimize risk exposure.
- Developed strategic plans aligned with client and bank goals, enhancing overall portfolio performance
- Conducted regular performance reviews of portfolios, ensuring alignment with strategic objectives and compliance standards.
- Analyzed market trends and economic indicators to inform investment strategies and decision-making processes.
- Collaborated with cross-functional teams to streamline reporting processes, improving efficiency in portfolio management.
Credit Analyst
First Commonwealth Bank
Indiana, PA
10.2013 - 01.2015
- Conducted comprehensive credit analyses to assess risk and determine creditworthiness of loan applicants.
- Developed financial models to forecast performance and support lending decisions.
- Evaluated financial statements, credit reports, and economic trends to inform lending strategies.
Certified and Licensed Occupational Therapy Assistant
Indiana Regional Medical Center
04.2000 - 10.2013
- Coordinate and provide individual and group treatment for physical disabilities and/or psychiatric disorders in accordance with care plans and objectives.
- Assess, review, and modify program and treatment plans as indicated.
Education
Bachelor of Science - Accounting
Indiana University of Pennsylvania
Indiana, Pennsylvania05-2013
Associates of Science - Occupational Therapy
Mount Aloysius
Cresson, Pennsylvania05-1996
Skills
- Financial and risk analysis of both personal and business financial performance
- Corporate Banking Portfolio Management, including but not limited to customer relations, loan maintenance, modifications, and loan closings
- Financial statement analysis, including federal tax, income statements, balance sheet, and cash flows of both individuals and businesses
- Management of team performance and workflows Onboarding and developing new talent
- Utilization of both verbal and written communication in a cooperative setting to achieve common goals
- Proficient use of Word Suite applications, including OneNote, PowerPoint, Excel, and Word
Timeline
Portfolio Manager II
First Commonwealth Bank
01.2026 - Current
CRE Credit Analyst Supervisor
First Commonwealth Bank
03.2021 - 01.2026
Senior Credit Analyst
First Commonwealth Bank
01.2018 - 03.2021
Portfolio Manager Corporate IRE
First Commonwealth Bank
01.2015 - 01.2018
Credit Analyst
First Commonwealth Bank
10.2013 - 01.2015
Certified and Licensed Occupational Therapy Assistant
Indiana Regional Medical Center
04.2000 - 10.2013
Associates of Science - Occupational Therapy
Mount Aloysius
Bachelor of Science - Accounting
Indiana University of Pennsylvania