AL MIRANI
Elmhurst,IL
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
6
6
years of professional experience
Work History
Credit Analyst
Northside Community Bank
Niles, IL
03.2022 - Current
- Used various tools to create reports and recommended courses of action to upper management.
- Managed, tracked and monitored financial updates, watch lists and insurance files.
- Consolidated financial data and materials for key leadership meetings.
- Assessed credit risk and analyzed financial statements.
- Monitored and analyzed financial, statistical and operational data trends.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Determined and documented loan conditions and communicated requirements and decisions.
- Supported review and acceptance or denial of new or renewal business.
- Presented results of financial analyses to clients verbally and in written form.
Loan Servicing Specialist
Wintrust Mortgage
Rosemont, IL.
11.2020 - 02.2022
- Served as primary contact for clients and various units in research and resolution of loan servicing problems and inquires
- Performed applicable research to resolve inquiry for all loans and system of record, including but not limited to issues relating to payment application and loan boarding
- Showed understanding of mortgage products, including Escrow Analysis, cushions, shortages, surpluses etc., Process payment of taxes, insurance, PMI, etc
- Coordinated with clients, account officers and appropriate units to ensure that clients were properly serviced, and all operational arrangements were in place to service assigned accounts
- Prepared various exception reports including Auto Debit rejects, ALDO Credit Notices, loan statements, etc
- Showed familiarity with consumer regulations pertaining to Credit Bureau reporting, dispute resolution, Civil Service
Personal Banker
Wintrust Financials- Barrington Bank & Trust
Barrington, IL.
10.2019 - 11.2020
- Worked closely with management to strategize sales techniques to increase branch production and customer service
- Expanded customer relationships by maintaining regular follow-up process and building rapport with each customer
- Proactively sought opportunities to acquire new business through networking, outbound calls, and timely follow up on referrals
- Posted daily/weekly/monthly sales reports and pipeline
- Completed necessary compliance documentation
- Maximized on sales behaviors to increase individual consumer, business, and lending goals
- Responded to all customer queries and issues after performing appropriate research
- Partnered with specialists such as Financial Advisors, Loan Officers, Private Client bankers, and Business Bankers to service customers' specialized needs.
Retail Relationship Banker
BMO Harris Bank
Park Ridge, IL.
07.2018 - 03.2019
- Increased customer sales by exceeding targets over 125%
- Interpret trends and data to make effective decisions that benefit customers' financial relationships
- Worked closely with management to strategize sales techniques to increase branch production and customer service by setting monthly goals
- Furnished program and product information to all new clients
- Designed and proposed sales and promotional campaigns to enhance client base
- Ex: student promotion at local college & business visits
- Anticipated needs of clients and proposed solutions based on clear understanding of their respective financial status.
Education
Bachelor of Science - Business Administration/Finance
Elmhurst University
12.2022
Associate of Arts - General Studies
Harper College
05.2021
Skills
- Business Tracking
- Financial Goal Planning
- Financial Data Analyzation
- Portfolio Review
- Income Projections
- Account Performance Reviews
- Accounts Payable and Receivable
- Microsoft Tools
- Loan Applications
- Financial and Operational Reporting
Timeline
Credit Analyst
Northside Community Bank
03.2022 - Current
Loan Servicing Specialist
Wintrust Mortgage
11.2020 - 02.2022
Personal Banker
Wintrust Financials- Barrington Bank & Trust
10.2019 - 11.2020
Retail Relationship Banker
BMO Harris Bank
07.2018 - 03.2019
Bachelor of Science - Business Administration/Finance
Elmhurst University
Associate of Arts - General Studies
Harper College