Senior Credit Analyst Resume Example Independent Bank Group, Inc

SENIOR CREDIT ANALYST

Summary

Experienced Credit Analyst in the the Banking industry with expertise in Commercial Banking, Commercial Real Estate, SBA Lending, Asset Based Lending, Structured Finance, and Private Banking.

Experience

Senior Credit Analyst
September 2009 to CurrentIndependent Bank Group, Inc

Support business line providing credit support for a portfolio of commercial and consumer clients. Perform annual reviews, interim credit actions, problem credit monitoring reports, and structure new loan requests in consideration of USB credit policies.
Analyze credit relationships through review of financial statements, collateral, and industry research presenting findings in well written credit approval document (CAPE). Assign borrower risk rating by the preparation of a Probability of Default Rating template.
Foster collaborative approach between internal stakeholders with respect to structuring complex and challenging credits.
Test annual release of Buker's Tax Analysis; Division contact for Moody's Risk Analyst vendor. Fill in for Team Lead as needed and provide support to junior analysts.

Credit Analyst - Asset Based Lending - Assistant Vice President
May 2007 to July 2009Wells Fargo Capital Finance - Minneapolis, MN

Analyze complex companies and industries, and present findings to Senior Management, via written credit approval document, for asset based credit facilities up to $25 million.
Support sales team by analyzing approximately 50 new business transactions annually. Average deal size $13MM; average loan closed size $21 million(2009). Manage new deal closing process.
Assist in general portfolio duties of 25 customers with total credit facilities of $348 million.
Point person for commercial real estate and new borrower due diligence.

Relationship Manager - Commercial Banking - Asst. Vice President
March 2005 to April 2007Wells Fargo Bank, N.A. - Minneapolis, MN

Manage portfolio of existing business banking clients including credit extension, renewal and monitoring.
New business development including prospecting account relationships of businesses with revenues ranging from $2 to $20 million.Support retail branch locations as referral partner.
Identify needs and provide financial service solutions including Treasury Management, Equipment Finance, Insurance, Merchant Card, and Payroll Processing.

Lending Underwriter - Corporate Officer
February 2001 to February 2005Wells Fargo SBA Lending - Minneapolis, MN

Underwrite small business loan requests requiring knowledge of bank policies, and US SBA SOP's. Specialty expertise in commercial and real estate requests for start-ups, acquisitions, expansions, and franchise lending.
Write credit recommendations and commitment letters. Manage the closing and disbursement process. Documentation review.

Various - See Below
September 1995 to January 2001Wells Fargo Bank, N.A.

Lending Underwriter - BBRC:

Underwrite small business loans from centralized location. Write approval recommendations. Resource for business bankers.

Credit Analyst - Structured Finance (CMO):

Underwrite commercial real estate mortgages in accordance with secondary market standards. Assist with marketing efforts. Prepare credit files and write credit approval presentations.

Collateral Examiner - Norwest Business Credit Inc.:

Perform reviews of existing and prospective commercial banking customers through on-site inspection of Financial Accounting and Inventory records. Prepare written report of findings, risks and mitigants.

Education

MBA : FinanceUniversity of Wisconsin - Madison － City, State, USA

Bachelor of Arts : Business, Political ScienceGustavus Adolphus College － City, State

Resume Overview

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