SalesForce
Andrea Gyurisin
San Diego,CA
Summary
With 16+ years of experience in commercial and business banking, SBA lending, revenue-based financing, and FinTech, my expertise sets me apart. I excel in business development, possess strong consultative selling skills, and am proficient in analyzing business tax returns and financial statements. Specializing in small business lending, portfolio management, and finance operations roles has provided valuable insights into operational aspects and sales/business development. My diverse background has given me a deep understanding of the needs and challenges faced by small business owners.
Overview
18
18
years of professional experience
Work History
Commercial Loan Specialist
U.S Small Business Administration (SBA)
06.2020 - 08.2024
- Due Diligence: Processed business loans and made recommendations on collateral needed to secure loans
- Business Tax Return & Financial Statement Analysis: Applied accepted financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans
- Management-Level Presentation & Decision-Making Skills: Reviewed all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries
- Due Diligence: Ensured loan files contained all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions
- Management-Level Presentation & Decision-Making Skills : Responded orally and/or in writing to applicants or their representatives
Founder/Owner
Zalobin Fine Arts
11.2017 - 07.2024
- Entrepreneurship: Zalobin Fine Arts was founded in October 2016 by Andrea Gyurisin with an emphasis on creating one-of-a-kind abstract acrylic-on-canvas pieces using additional mixed media hand and brush stroke texturing and layering techniques
- Each piece is crafted by the artist with an energy representing personal style through innermost feeling and intuition
- Commissioned works available upon request
- Part-time
Credit Product Analyst
Martini.ai (FinTech Independent Contractor)
03.2023 - 10.2023
- Business Tax Return & Financial Statement Analysis: Financial Modeling: Assisted in financial modeling and decisioning criteria for AI-based credit rating platform called Neuratings in the early/development startup stage
- Product Management: Collaborated with UI/UX Designers, Developers, and Engineers to build out a user-friendly AI based credit rating platform
- Product Management: Translated needs and functionalities for potential client use cases to various above mentioned colleagues from a credit and risk-based perspective and was given full autonomy of design ideas and platform features
- Product Management: Designed wireframes and process flows using Freeform and submitted to design team for implementation
- Research & Development: Maintained potential client demo portfolios on credit rating platform
- Management-Level Presentation & Decision-Making Skills: Performed demo presentations of product and features to potential clients using use cases designed specific to their credit and risk needs
- Product Management: Worked with potential clients to tailor and develop specific features for each use case
- Research & Development: Conducted research on mergers/acquisitions for companies listed on platform and tested and audited platform for internal/external errors
- Prospecting & Business Development: Researched potential future clientele and created a prospect pipeline in internal CRM system
- Consultative Selling Skills: Conducted early stage sales outreach/campaign via phone, email, social media, and in-person conferences
- Independent contractor/freelance/part-time
Underwriting Associate
Founders First (FinTech Independent Contractor)
11.2021 - 06.2022
- Business Tax Return & Financial Statement Analysis: Collaborated with the business development team in coordinating preliminary and final credit analysis, underwriting and risk-rating forecast models
- Business Tax Return & Financial Statement Analysis: Performed trending and comparative analysis of historical and pro-forma financial data
- Due Diligence: Performed tasks necessary to the close transactions, including the preparation of key legal documents
- Management-Level Presentation and Decision-Making Skills: Prepared internal credit review and performed modeling and structuring of Revenue-Based Financing (RBF) loan products
- Management-Level Presentation and Decision-Making Skills: Prepared memorandums of findings for review by FFCP's Investment Committee
- Prospecting & Business Development: Reviewed all relevant diligence materials including financial statements, pitch decks, customer references, company product and service offerings, etc
- Consultative Selling Skills/Due Diligence: Conducted diligence calls with prospective borrowers
- FinTech Independent Contractor
- Part-time
Commercial Loan Specialist
Huntington Bank (Contract)
04.2020 - 06.2020
- Business Tax Return & Financial Statement Analysis: Worked independently on an assigned loan portfolio and completed transactions within the terms of the executed credit agreement
- Due Diligence: Monitored processing queues in order to handle requests from HNB business partners
- Due Diligence: Monitored reports that identified potential issues and worked to resolve issues in a timely manner
- Research & Development/Due Diligence: Reviewed loan documentation and conducted other research as needed
- Contract
English as a Second Language Teacher
English First EF (Contract)
11.2018 - 12.2019
- Leadership: Filled a one-year contract role as an English instructor for SE Asian children, teens, and adults at a premiere English First (EF) international language center in the Badung and Denpasar regions of Bali, Indonesia as a designated expert Business English instruction facilitator
- Leadership: This role consisted of primary ESL instruction at all levels with the inclusion of preparation and planning lesson materials
- Leadership: The primary objective of the program focused on assisting students to develop listening, reading, speaking, and writing skill in a conversation-based classroom setting
- Due Diligence: Additional responsibilities included curriculum grading, administering and determining student level placement through testing and critiquing writing submissions
- Contract
Consumer Credit Officer I
City National Bank
03.2016 - 11.2016
- Business Tax Return & Financial Statement Analysis: Identified and assessed risk associated with consumer credits up to $250M in aggregate value
- Business Tax Return & Financial Statement Analysis :Spread and analyzed personal financial statements
- Risk Analysis & Management: Calculated financial ratios in compliance with loan policy
- Management-Level Presentation and Decision-Making Skills: Prepared and presented credit analyses and loan presentations for approval
- Due Diligence: Reviewed existing mortgage loan facilities and advised on eligibility for the rate modification process
- Due Diligence: Re-calculated amortization schedules, reviewed appraisal reports and calculated LTV and CLTV ratios, and prepared loan documentation
- Due Diligence: Assigned, monitored, and cleared exception tracking for conditions related to consumer facilities
Commercial Loan Processor III
City National Bank
03.2015 - 03.2016
- Due Diligence: Reviewed, boarded, and funded term, line and renewal facilities from loan agreements
- Business Tax Return & Financial Statement Analysis: Processed advances, payments, and payoffs on various commercial loan products
- Research & Development: Balanced work and processed general ledger entries to various cost centers. Conducted. AR accounts receivable reconciliation for review of past due and collections loan accounts and watchlist credits
- Due Diligence: Reviewed loan documentation for inconsistencies on legal documentation, guarantor, and collateral information; directed to correct internal department for resolution prior to the boarding and funding process
Business Consultant
First Data Corporation
11.2013 - 06.2014
- Prospecting & Business Development: Developed and maintained new and existing merchant services relationships with small business owners as a third-party processor for ten regional SunTrust branches in the Northern Virginia territory
- Consultative Selling Skills: Evaluated the payment processing needs of clients in product areas of credit, debit, Telecheck, gift card, data analytics, and cash advance
- Consultative Selling Skills: Applied evaluation results to meet the business needs of client proposals
- Business Tax Return & Financial Statement Analysis: Collected and analyzed merchant and financial statements to determine pricing mechanisms such as tiered, interchange, and enhanced billback models
- Proposal Generation: Developed, presented and applied business solutions in proposal format; including pricing addendum, equipment costs, business strategy, and projected sales modeling
Commercial Business Banker II / Asst. VP
PNC Bank
06.2011 - 02.2012
- Prospecting & Business Development: Retained and expanded portfolio of commercial clientele up to $10MM in annual revenues
- Consultative Selling Skills: Maintained effective relationships with internal service partners to cross-sell bank products (including loan, treasury management, merchant services, cash management, and investment management)
- Consultative Selling Skills: Used consultative skills to assess liquidity, payment, and cash flow needs of commercial clientele
- Business Tax Return & Financial Statement Analysis: Analyzed customer financial statements and ratios in conjunction with industry comparison data to meet current internal lending standards
- Consultative Selling Skills: Worked with external credit department to structure loan packages to meet requested borrowing needs of each customer
- Small Business Portfolio Management: Maintained customer relationships following loan disbursement
Commercial Credit Analyst
Virginia Heritage Bank
02.2011 - 06.2011
- Business Tax Return & Financial Statement Analysis: Underwrote commercial loans by analyzing financial statements and prepared spreads on new, renewal, and loan modification facilities
- Business Tax Return & Financial Statement Analysis: Prepared written analyses of cash flow projections, liquidity, and industry ratio comparisons
- Management-Level Presentation and Decision-Making Skills: Assisted commercial loan officers in loan structuring, modification, and decision processes
- Management-Level Presentation and Decision-Making Skills: Presented loan packages to committee/board members for final approval
Commercial Credit Analyst
F&M Trust
06.2010 - 02.2011
- Business Tax Return & Financial Statement Analysis: Identified and assessed risk associated with commercial credits up to $25MM in aggregate value
- Business Tax Return & Financial Statement Analysis: Spread and analyzed financial statements
- Business Tax Return & Financial Statement Analysis: Prepared cash flow and pro forma projections
- Business Tax Return & Financial Statement Analysis: Calculated financial ratios in comparison with RMA industry standards
- Business Tax Return & Financial Statement Analysis: Applied risk factors associated with ratio calculation and translated into proper category in terms of monitoring as part of the repayment process
- Management-Level Presentation and Decision-Making Skills: Prepared and presented credit analyses and loan approval documentation for presentation
Commercial Loan Processor/ Merchant Services
Orrstown Bank
04.2006 - 12.2008
- Due Diligence: Maintained merchant sales pipeline, profile maintenance, POS troubleshooting, and chargeback dispute process as an agent bank associated with payment processing
- Due Diligence: Tracked commercial exception documentation such as UCC, Appraisal Report, Title, Insurance, and other miscellaneous required documentation using Laser Pro and Microsoft Excel spreadsheet systems post- and prior-to loan closing for audit and compliance purposes
- Small Business Portfolio Management: Processed payment transactions and maintained customer portfolio using mainframe system
Education
MBA - Finance Concentration
Mount Saint Mary’s University
10.2014
B.S. - Economics, Business Administration Minor
Shippensburg University
05.2010
Skills
- Consultative Selling Skills
- Prospecting & Business Development
- Proposal Generation
- Small Business Portfolio Management
- Business Tax Return & Financial Statement Analysis
- Product Management
- Research & Development
- Due Diligence
- Leadership
- Management-Level Presentation & Decision-Making Skills
- Entrepreneurship
Software
MS Office Suite
Zoom
Mondaycom
GSuite
Slack
Asana
Notion
Adobe Acrobat
Quickbooks
Calendly
Volunteer/Leadership Activities
- President, Financial Management Association (Shippensburg U. Chapter), 2009-2010
- Vice President, Financial Management Association (Shippensburg U. Chapter) 2008-2009
- NORC (National Opinion Research Center-University of Chicago), National Research Study Volunteer, 1997-Present
- Leukemia & Lymphoma Society, Annual Leukemia/Lymphoma Walk Volunteer, 2015-Present
Timeline
Credit Product Analyst
Martini.ai (FinTech Independent Contractor)
03.2023 - 10.2023
Underwriting Associate
Founders First (FinTech Independent Contractor)
11.2021 - 06.2022
Commercial Loan Specialist
U.S Small Business Administration (SBA)
06.2020 - 08.2024
Commercial Loan Specialist
Huntington Bank (Contract)
04.2020 - 06.2020
English as a Second Language Teacher
English First EF (Contract)
11.2018 - 12.2019
Founder/Owner
Zalobin Fine Arts
11.2017 - 07.2024
Consumer Credit Officer I
City National Bank
03.2016 - 11.2016
Commercial Loan Processor III
City National Bank
03.2015 - 03.2016
Business Consultant
First Data Corporation
11.2013 - 06.2014
Commercial Business Banker II / Asst. VP
PNC Bank
06.2011 - 02.2012
Commercial Credit Analyst
Virginia Heritage Bank
02.2011 - 06.2011
Commercial Credit Analyst
F&M Trust
06.2010 - 02.2011
Commercial Loan Processor/ Merchant Services
Orrstown Bank
04.2006 - 12.2008
MBA - Finance Concentration
Mount Saint Mary’s University
B.S. - Economics, Business Administration Minor
Shippensburg University
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