commercial loan underwriter credit analyst resume example with 20+ years of experience
JessicaClaire
Montgomery Street, San Francisco, CA94105609 Johnson Ave., 49204, Tulsa, OK
Home: (555) 432-1000
Cell:
resumesample@example.com
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Professional Summary
Highly motivated Sales Associate with extensive customer service and sales experience. Outgoing sales professional with track record of driving increased sales, improving buying experience and elevating company profile with target market.
Skills
Guest services
Inventory control procedures
Merchandising expertise
Loss prevention
Cash register operations
Product promotions
Work History
Commercial Loan Underwriter & Credit Analyst, 2011 to Current Bankers Trust – Sioux Falls, SD,
A Financial Services Consulting Firm specializing in:
contract underwriting, portfolio management, credit modeling, risk management,
due diligence, and developing credit policy guidelines and credit grading
matrices.
Senior Loan Review Officer, 01/2006 to 01/2011 Tenneco Automotive – Van Nuys, CA,
Delivered credit analysis/underwriting on new loans brought in by commercial loan officers, and for workout officers on loan modifications and problem loans.
Also managed the risk of their $40 billion commercial loan portfolio.
Conducted over 800 loan reviews per year, while maintaining the company loan loss reserves and conducting market research studies for tax allocation of New Market and Low Income Housing Tax Credits.
Although SBA financing declined in funding from an average of $500,000 per month to $100,000 during tenure, this had more to do with the national financing collapse than a decline in production.
Maintained the lowest default rate in the State of Colorado during the global recession and kept the loan loss reserve around the mandated 7.5 ratio.
Built and maintained relationships with asset management, work out officers, and loan officers to maintain low foreclosure rates while trying to increase the overall portfolio size.
Assisted in the development of credit modeling and grading matrix for new and existing HUD, SBA, and USDA commercial loans.
Financial Analyst, 01/2003 to 01/2006 Public Consulting Group – Washington, DC,
Revenue Recognition Worked as a liaison business development officers to properly recognize revenues between sold, implemented, designed software for large corporations throughout the world.
Overall, was responsible for accurate revenue recognition and deferrals and preparing monthly revenue journal entries, including currency exchange rate entries.
Experienced in SEC and GAAP reporting requirements.
Maintained integrity of revenue recognition systems, including spreadsheet analysis and automated contract management database.
Interacted with sales, legal, client services, and professional services departments in completing contracts and assessing contract terms and conditions for billing and revenue recognition purposes.
Assisted in merger and acquisition activities including due diligence measures and financial integration of the businesses as needed when Oracle, Incorporated purchased PeopleSoft, in 2004.
Client Service Associate, 01/2000 to 01/2002 Ameris Bancorp – Fleming Island, FL,
Worked for one of Merrill Lynch's top Financial Advisors, who managed an investment portfolio of more than $80,000,000 in assets.
Assisted the Financial Advisor and Lead Client Associate in providing customer service to high net worth individuals.
Focused mainly in reconciling individual investment portfolios to ensure that individual investment portfolio records remained synchronized from the effects of daily trade events that affected gains/losses, asset allocation, yields, earnings, and the net value of the portfolio.
Performed ad hoc security analysis, market analysis, and industry analysis to help aide the financial advisor in his financial advisory practices when meeting with current clients and potential clients; used Morningstar and Bloomberg for research purposes.
Led two marketing campaigns that brought in four new clients into the Financial Advisors practice.
Personal Banker II, 01/1998 to 01/2000 Vectra Bank Colorado – City, STATE,
Offered and sold financial products and services to consumers and small businesses customers.
Interacted with customers to ascertain needs.
Opened deposit accounts, handled loan applications, and handled various customer service requests.
Leveraged in-depth product knowledge to assist the bank in meeting its goals.
Consistently recognized as the #1 salesperson in banking market.
Exceeded 100% of sales goals per quarter.
Presented the bank's SBA lending products to generate new business.
Education
Bachelors of Science: Business Administration, Expected in 1 2002 to Ithaca College - Ithaca, New York GPA: Business Administration
Associate of Arts: , Expected in 1 2000 to Red Rocks Community College - Lakewood, Colorado GPA:
Accomplishments
Expert credit/financial analyst, experienced in all phases of commercial real estate (including: multifamily, office, retail, and residential subdivisions), commercial, and industrial lending.
Lending experience includes underwriting government insured lending products involving: Small Business Administration loans (SBA); Housing and Urban Development (HUD) 542(a) financing; and United States Department of Agriculture loans (USDA).
Further experience includes scripting market research studies for the feasibility purposes when allocating New Market Tax Credits and Low Income Housing Tax Credits on various economic development and affordable housing projects.
Skilled in forming large loan portfolios and working with the teams needed to manage the risk of the portfolio.
Loan loss reserve forecasting, credit grading, credit modeling, cash flow analysis, risk management, are skills provided to lending companies worked for to help meet their lending goals.
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