Commercial Credit Analyst Resume Example
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COMMERCIAL CREDIT ANALYST
Highlights
| Microsoft Office Suite; Proven as a leader; high school football team Excel, Word, Access, PowerPoint captain; lead numerous academic group projects |
Experience
Johnson Financial GroupBrookfield , WICommercial Credit Analyst
Commercial Credit Analyst Intern12/2011 to Current
- Assisted senior-level credit officers with complex loan applications.
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan Educated customers on the variety of loan structures available credit options Wrote up detailed credit memos on prospective clients and presented said memos in credit committee Determined optimal loan structures, created and delivered loan proposals, and closed loans Created financial analysis reports of Fidelity Bank's portfolio, including; C&I, commercial real estate, mortgage loans in transit, factored receivables, borrowers' financial statements, and market research Effectively managed and monitored Fidelity Bank's client base, including; review process, borrowing base availability, covenant compliance, and deteriorating credits (quarterly 6&7 rated credits report) Executed the loan origination process, including ordering credit reports, appraisals, accounts receivable and inventory exams, and preliminary title reports Researched insurance information, tax, and lien records Built knowledge about underwriting best practices through completion of the following courses through RMA; Commercial Lending Academy; Cash Flow I, II, III; Financial Statements and Ratio Analysis; Loan Documentation; Analyzing Business Tax Returns (to be completed 3/31/2014) Developed knowledge on SBA lending through attending SBA conferences and monthly SBA webinars Successfully packaged loans for SBA application process, communicating with SBA underwriters and answering any questions or concerns that arose during underwriting Managed the day-to-day tasks of Routinely called on the NSF list, giving customers notice of their overdrawn accounts and making the decision whether to return or pay the transaction Developed and am in process of implementing a MS Access based 'client on-boarding' system which will streamline the current disjointed process.
First Business Financial Services, Inc.Appleton , WISafety Technician11/2010 to 11/2011
- Created and maintained safety alignment and measurement system's scorecard Reviewed policies to ensure compliance of EPA and OSHA regulations Developed company safety policies and procedures Organized documents and work environment in accordance with 5S methodology Created presentations and spreadsheets with Microsoft Office Suite for executive meetings Reason for leaving: Searching for career opportunities in the financial industry.
Arthur J Gallagher & Co.Orange , CAFinancial Representative01/2010 to 11/2010
- Obtained new, and serviced existing clientèle Managed business' clerical tasks and staffing/team assistance Consulted with clients and small businesses, putting in place detailed financial plans and group benefit packages in-line with clients' financial needs and constraints Managed schedule, setting joint appointments in collaboration with colleagues Reason for leaving: Better career opportunities and compensation with John Deere.
Maximus, Inc.Falls Church , VAProject Leader08/2008 to 04/2009
- Scheduled and organized group meetings.
- Led presentations on group progress and class presentations.
- Delegated specific tasks to group members.
First TransitRed Wing , MNExecutive Management Intern06/2008 to 08/2008
- Submerged in the day to day responsibilities and decision making process of a hospital CEO, CFO, and other.
- executive positions.
- Sat in on executive meetings, including; strategic management; clinic division; hospital division; etc.
- Designed and conducted an employee hand sanitizer survey.
Education
BACHELOR OF ARTS:BUSINESS/BUSINESS MANAGEMENT EMPHASIS ECON FINANCE2009Concordia College, City, StateGPA: GPA: 3.4BUSINESS/BUSINESS MANAGEMENT EMPHASIS ECON FINANCE GPA: 3.4
one semester earlier than most of my peers
Upper level coursework: Finance; Money Banking, and Financial Markets; Investments; Marketing; Management
Information Systems; Strategic Management; Leadership; Entrepreneurship; Ethical Behavior in Organizations;
Human Resources Management; Global Development Issues, etc.
Interests
Big Brothers Big Sisters (Big Brother/Mentor) starting in February 2013, YPOTC (Young Professionals of The Twin Cities) COLLEGE INVOLVEMENT: PR Club treasurer, Marketing Club, Investments Club, Intramural athletics ACCREDATIONS: Life, Accident and Health Insurance Producer's Licenses MN, ND, UT (lapsed), Cum Laude graduate honors
Additional Information
- ADDITIONAL INFORMATION COMMUNITY INVOLVEMENT: Big Brothers Big Sisters (Big Brother/Mentor) starting in February 2013, YPOTC (Young Professionals of The Twin Cities) COLLEGE INVOLVEMENT: PR Club treasurer, Marketing Club, Investments Club, Intramural athletics ACCREDATIONS: Life, Accident and Health Insurance Producer's Licenses MN, ND, UT (lapsed), Cum Laude graduate honors
Skills
academic, accounts receivable, streamline, Analyst, Banking, C, Cash Flow I, clerical, Commercial Lending, conferences, Credit, CRM, client, clients, decision making, Dependable, Detail oriented, Finance, Financial, financial analysis, Financial Statements, Human Resources Management, information systems, insurance, inventory, Investments, Leadership, Loan
Documentation, loan origination, market research, Marketing, mathematics, meetings, Access, MS Access, Excel, Money, Microsoft Office Suite, office, PowerPoint, Word, Management
Information Systems, mortgage loans, NSF, communicator, policies, presentations, progress, proposals, Fast learner, real estate, safety, Sat, spreadsheets, staffing, Strategic Management, tax, Tax Returns, underwriting, Well organized
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Resume Overview
School Attended
- Concordia College
Job Titles Held:
- Commercial Credit Analyst
- Commercial Credit Analyst Intern
- Safety Technician
- Financial Representative
- Project Leader
- Executive Management Intern
Degrees
- BACHELOR OF ARTS : BUSINESS/BUSINESS MANAGEMENT EMPHASIS ECON FINANCE 2009
one semester earlier than most of my peers Upper level coursework: Finance; Money Banking, and Financial Markets; Investments; Marketing; Management Information Systems; Strategic Management; Leadership; Entrepreneurship; Ethical Behavior in Organizations; Human Resources Management; Global Development Issues, etc.
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