ALEX TAYLOR
1107 N Trinity St Geneva,AL
Summary
Analytical Credit Underwriter with proven ability to process loan applications quickly and accurately. Specialize in risk assessment, financial analysis, and regulatory compliance. Excel in critical thinking, decision-making, and problem-solving to ensure sound credit decisions. Committed to maintaining up-to-date knowledge of banking policies and economic trends that impact credit lending.
Overview
5
5
years of professional experience
Work History
Commercial Lender/Credit Underwriter III
Friend Bank
Geneva, AL
08.2023 - Current
- Reviewed and analyzed borrower financials, including income statements, balance sheets, and cash flow statements.
- Conducted ratio analyses and market positioning reviews to evaluate risk and inform lending decisions.
- Prepared comprehensive credit recommendations for senior management, highlighting risk factors and business potential.
- Managed loan pipeline of 70 customers while performing annual financial reviews on entire portfolio.
- Structured financial packages aligned with clients' capital needs and market conditions.
- Increased bank net profit by 15% through rigorous underwriting and credit analysis.
- Developed new underwriting matrix, enhancing accuracy and efficiency by 25%.
- Reviewed loan requests for completeness and accuracy in accordance with established policies and procedures.
Commercial Underwriter II/Loan Financial Analyst
Southern States Bank
05.2020 - 08.2023
- Performed in-depth credit risk evaluations of small business borrowers by analyzing financials, market share, growth metrics, and quality of management.
- Conducted ongoing borrower reviews, including financial tracking, credit report analysis, and covenant compliance, to ensure continued creditworthiness.
- Collaborated closely with loan officers and processors to ensure documentation aligned with credit approvals and identified issues prior to loan funding.
- Performed cash flow analysis through financial spreading and DSC analysis to make sound credit decisions and recommendations for loan approval.
- Identified discrepancies in loan files and offered solutions to ensure accurate loan audit evaluations.
Education
Bachelor of Science - Finance
Jacksonville State University
Jacksonville, AL05.2020
Skills
- Credit analysis
- Cash flow analysis
- Financial modeling
- Risk assessment
- Credit underwriting
- Financial reporting
- Organizational skills
- Loan structuring
- DSC analysis
- Documentation review
- Analytical thinking
- Trends analysis
Timeline
Commercial Lender/Credit Underwriter III
Friend Bank
08.2023 - Current
Commercial Underwriter II/Loan Financial Analyst
Southern States Bank
05.2020 - 08.2023
Bachelor of Science - Finance
Jacksonville State University
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