Financial Analyst Resume Example
Experience includes commercial, residential, and short term loan underwriting, loan origination, closing, servicing, collection, commercial loan workouts, financial and risk analysis, financial and statistical modeling, and database development and management.
Specific commercial lending expertise includes the spreading of tax returns and financial statements, cash flow analysis, credit analysis, debt ratio analysis, collateral valuation, net present value analysis, portfolio management, troubled debt restructuring, and special asset management.
Management positions in residential loan processing.
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November 2012 to May 2015Lear Corp. － Grand Prairie , TX
- Performs financial analysis, risk analysis, and underwriting for various short term consumer loan portfolios.
- Produces reports on research results by using spreadsheets and statistical software including SAS Enterprise Guide, Visual Analytics, and Microsoft Excel.
- Improved financial status by analyzing results, monitoring variances, identifying trends, and recommending actions to management.
- Assists and occasionally leads the facilitation of various projects including direct mail campaigns and underwriting strategies to help increase lending volume and improve pay performance.
- Distributes various daily, weekly, and monthly reports to management and executives.
- Acts as a consultant with the Corporate Real Estate Department and provides guidance on various projects including lease negotiation, feasibility studies, real estate development, and departmental budgeting.
August 2008 to November 2012Johnson Financial Group － Milwaukee , WI
- Performs credit and financial analysis for new commercial real estate loan requests, refinances, and workouts.
- Performs credit and financial analysis for ongoing commercial real estate loan portfolio management process and identifies risks related to each credit facility and recommends changes in risk rating if needed.
- Primary contact in the negotiation of terms and conditions in the restructuring of troubled commercial real estate debt.
- Prepares and presents credit underwriting results to the department manager.
- Prepares loan packages for senior management and executive committee.
- Assists and occasionally leads the facilitation to the credit union's executive committee.
- Assists the department manager in the maintenance and expansion of existing borrower and referral source relationships as well as business development of new points of contact.
- Successfully created and implemented a risk rating model to be used in conjunction with annual portfolio reviews which allowed ONCU to accurately determine loan loss reserves.
- Work closely with NCUA examiners during the Credit Union's regulatory examinations.
January 2006 to May 2008Ballston Spa National Bank － Burnt Hills , NY
- Oversaw the day to day operations of the mortgage loan processing department of Las Vegas, NV and Southern Utah region.
- Evaluated staff productivity and efficiency Hired, trained, and managed staff in the processing department.
- Planned work and delegated, or directed work to appropriate employees.
- Coordinated relationships between mortgage brokers, underwriters, and customers.
- Audited loans prior to being submitted for underwriting.
- Prepared detailed forecast and volume reports for mortgage banking leaders and executives.
September 2004 to January 2006PROVIDENT FUNDING AND ASSOCIATES － City , STATE
- Level II underwriting authority.
- Analyzed residential mortgage applications, income and asset documentation, and credit reports to determine borrowers' ability to repay.
- Audited residential loans that have closed ensuring they conform to company and investor guidelines.
- Loan documentation preparation, including the calculation of property taxes and homeowner's insurance.
- Worked closely with escrow officers in handling loan closings.
Finance and Economics
asset management, banking, budgeting, business development, cash flow analysis, closing, commercial lending, Interpersonal Communication, consultant, Credit, credit analysis, database development and management, Detail Oriented, direct mail, documentation, senior management, feasibility studies, financial, financial analysis, financial statements, insurance, Loan documentation, loan origination, Loan Processing, Microsoft Excel, Microsoft Office Suite, modeling, mortgage loan, negotiation, Enterprise, Organizational, Presentations, Public Speaking, Real Estate, research, risk analysis, SAS, spreadsheets, taxes, tax returns, underwriting, valuation
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Resume Overview
School Attended
- Southern Southern New Hampshire University
Job Titles Held:
- Financial Analyst
- Commercial Credit Analyst
- Supervisor - Loan Processing Dept.
- Mortgage Loan Underwriter
Degrees
- Bachelor of Science : Finance and Economics , 2003
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