Andrew Lujan
Odessa,TX
Summary
Ambitious Credit Analyst seeking to take on additional challenges and responsibilities to become a larger asset to the financial institution while also improving general banking knowledge. Strong work ethic, adaptability, and the ability to handle challenging tasks.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Credit Analyst
Southwest Bank
Odessa, TX
05.2022 - Current
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Interpret complex financial data such as balance sheets, cash flow statements and income statements.
- Prepared credit analyses to determine creditworthiness and compliance.
- Prepare monthly internal legal lending report to ensure prominent accounts remain in compliance with internal policy
- Researched current industry trends related to consumer lending products and services.
- Analyzed historical credit trends to identify areas of risk exposure.
- Presented and kept minutes for various credits in Senior Loan Committee (Board if applicable)
- Participates in customer meetings if loan officer requests
- Developed understanding of the bank's internal loan policy and SBA loan policy
Small Business Consultant
America's SBDC @ UT Permian Basin
Odessa, TX
05.2020 - 05.2022
- Evaluated existing business models against current market conditions and advised on necessary modifications.
- Developed comprehensive business plans that included budgeting, forecasting, cash flow analysis and more.
- Helped clients develop innovative approaches to problem solving within their organizations.
- Assisted in the development of effective sales strategies for clients' products or services.
- Developed general understanding of SBA and commercial lending
- Provided consulting services to small business owners on how to increase profitability and reduce costs.
- Analyzed competitive market strategies through related product, market or share trends.
- Advised clients on strategic planning, financial management, marketing, operations and other related topics.
Marketing Intern
Human Theory Marketing
Round Rock, TX
01.2020 - 05.2020
- Monitored online conversations related to brand and product mentions.
- Developed content and promotional materials for various campaigns.
- Created and executed social media strategies to increase customer engagement.
- Generated weekly reports on progress of marketing initiatives.
- Researched competitors' marketing strategies and tactics.
- Optimized website content for better search engine visibility.
Education
BBA - Marketing
University of Texas At Permian Basin
Odessa, TX05-2020
Skills
- Training and Mentoring
- Cash Flow Analysis
- Financial Statement Review
- Proficient in Excel
- Attention to Detail
- Self-Direct
- Oral and Written Communications
- Underwriting
Certification
- Certified Small Business Consultant (AASBC)
Timeline
Credit Analyst
Southwest Bank
05.2022 - Current
Small Business Consultant
America's SBDC @ UT Permian Basin
05.2020 - 05.2022
Marketing Intern
Human Theory Marketing
01.2020 - 05.2020
BBA - Marketing
University of Texas At Permian Basin
- Certified Small Business Consultant (AASBC)
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