Consumer Loan Underwriter for Wells Fargo managing a portfolio of 36 million dollars to stay in line with corporate objectives and targets. Also holding the position of CFO in a mobile application and website startup called BNGO! LLC; where I am responsible for all business and financial operations within the company.
Financial reporting and analysis
Advanced financial analysis
Risk management assessment
GAAP and statutory reporting
Federal/State tax preparation
Background in mutual funds, stocks, bonds and investments
09/2015 to Current
Credit AnalystWells Fargo – Cypress, CA
Underwrite full spectrum lending LA Dealer Services Auto Industry; spanning over 120 dealerships and portfolio size of 600 million in consumer auto loans.
Manage a running 12-month period personal portfolio of $36 million in loan volume while leveraging risk, profitability, and volume.
Underwrite and originate over $4 million of monthly loan volume.
Lead and manage operations teams and business development representatives to establish, maintain, and enhance dealer relationships.
Consistently meet corporate target objectives of over 5% interest spread, 2% Return on Investment, less than 1% of losses, and over 30% conversion.
Analyze Loan-to-Value metrics on the overall LA Region portfolio, profitability, and consumer auto industry trends using.
Use financial modeling to study trends in portfolio to come up with competitive strategies.
12/2013 to Current
Chief Financial Officer & Co-FounderBNGO! LLC www.bngo.io – Long Beach, CA
Prepare quarterly income statements, balance sheets, cash flow statements, and statements of retained earnings.
Maintain GAAP accounting and general accounting functions, including preparation of journal entries, account analysis, and balance sheet reconciliations.
Lead and participate in investment, market research and project development meetings.
Fill and prepare all necessary State and Federal tax documents.
Hire and manage development and sales teams.
Prospect to obtain new accounts while maintaining relationships with existing accounts.
Develop and present successful plans for an innovative mobile and website application, securing $5000 in private equity funding and a prospective $50,000 more in venture capital.
Led monthly meetings with directors to analyze spending and provide financial recommendations.
07/2014 to 09/2015
Personal BankerWells Fargo – San Luis Obispo, CA
Assessed clients' financial situations to develop strategic financial planning solutions.
Obtained top in sales for the Broad & Tank Farm Wells Fargo Branch Q4 2014.
Served as number two personal banker in district for loan volume Q2 2015.
Trained and directed 4 new hires during department orientations.
Collaborated with the compliance department to eliminate procedural errors, teller cash differences, and audit exceptions in compliance with state and federal regulations.
Chartered Financial Analyst Certification: CFA Candidate level I Chartered Financial Analyst -
Advanced courses in Finance, Accounting, Economics, Financial Analysis, Statistics, Ethics, and Policy & Regulation
Re-taking level 1 test in December
Bachelor of Science: Finance and Economics University of Wisconsin La Crosse - La Crosse, WI
Double Major in Finance and Economics
Maintained 3.05 Grade Point Average
Coursework in Business Administration, Finance, Economics, Accounting, and Marketing
Bachelor of Science: Finance and Economics London Metropolitian University - London, UK