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
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
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
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
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