Anne Xavier
Overview
6
6
years of professional experience
Work History
Financial Analyst
BMO U.S
San Ramon, CA
12.2021 - Current
- Consumer & Agribusiness (with, Monitored financial statements, borrowing bases, and covenant compliance of existing clients within a diversified loan product portfolio totalling over $500 million
- Calculated financial ratios to verify the company’s compliance with their loan covenants and bank triggers/IMTs
- Aided in submitting requests to third party for appraisals, appraisal review, environmental report, and flood compliance
- Pioneered the weekly borrowing base process to ensure Asset Based Lending team reviews borrowing base on time and compliance updates BBC information in system
- Assisted in evaluating legal documents such as Credit Agreements and Amendments to see if legality of documents complied with the bank regulations
- Underwrote renewals, annual reviews, and new money requests for deals with exposure up to $5MM with guidance of Senior Underwriter and Relationship Manager
- Transferred company financial statements into Moody’s Risk System and analysed the initial risk rating archive/report and included high level qualitative and quantitative comments in report to justify final rating
- Managed Credit Packages, Reporting, Legal documents in an organized fashion in order auditors to easily review portfolio
- Collaborated with Credit Products Officers in processing covenant defaults and trigger breaches including writing up final verbiage and submitting for approval to approvers
- Pioneered peer comparison excel model for Food Ag Portfolio data for underwriting purposes
- Completed Credit College Bootcamp program (7/31/2024) with BMO U.S.
Human Resources Co-Director
The Streets Smarts
Oakley, CA
07.2021 - 11.2021
- Scheduled and conducted interviews for candidates via Zoom
- Screened Resumes and Cover Letters for candidates and evaluated against our qualifications
- Compiled interview and interviewee background information into a candidate profile report
- Led the Talent Acquisition Team which helped to acclimatize new hires into the work culture and transition in Street Smarts
- Worked with other members to on creating value-added and efficient hiring strategies.
Head Intern (Teaching Assistant)
Plant Science
Davis, CA
01.2019 - 12.2020
- Computers in Technology, Facilitated in instructing Weebly, MS Word, Excel, PowerPoint, Access, and R Studio for incoming Freshman and Sophomores
- Held in-person and online office hours to help guide students on exams, homework, or any general questions
- Recruited 30 new interns for the PLS program for Winter quarter 2020
- Collaborated with staff to grade and organize assignments and exams and hosted office hours for students.
Education
Bachelor of Science - Managerial Economics, Technology, Management
University of California
Coursework: Business Writing, Business Law, Tax Accounting, Managerial Marketing, Supply Chain Planning & Management, Management Accounting and Control. -
Skills
- Asset Based Lending Experience, Commercial Credit Analysis, Financial Analysis, Food Consumer Portfolio management, Underwriting, Loan Documentation Analysis, Coaching and Mentorship, Compliance Monitoring, Due Diligence processing, R Studio, Power BI, Leadership, Microsoft Suite, Tamil, and basic French
- Need to be sorted by topic>
- Davis, CA
- December 2021
Timeline
Financial Analyst
BMO U.S
12.2021 - Current
Human Resources Co-Director
The Streets Smarts
07.2021 - 11.2021
Head Intern (Teaching Assistant)
Plant Science
01.2019 - 12.2020
Bachelor of Science - Managerial Economics, Technology, Management
University of California