AYESHA NLN
Claremont,CA
Summary
Results-oriented, decisive leader with strong organizational and analytical skills. Effective communications and written skills. Ability to identify and resolve issues quickly. Highly motivated, responsible, and a great team player. Extensive experience in financial analysis and proficient in Microsoft Office (Excel, PowerPoint, etc.). Superior capacity of mastering new concepts and applying them correctly.
Overview
6
6
years of professional experience
Work History
Credit Analysis Officer
Cathay Bank
08.2022 - Current
- Reviews existing loan exposure, proposed extensions of credit and financial information; evaluates credit structure and terms; determines sources and uses of funds; analyzes industry data, competitive factors, historical performance, projected results, risks, and mitigating factors.
- At the direction of and/or in concert with the Account Officer, communicates with borrowers and management regarding specifics concerning approved and declined loans, as well as for additional information and details related to loan request or clarification of financial materials and resources.
- Recommends credit alternatives and creative ways to structure credits ensuring that transactions are within portfolio risk standards.
- Authors credit approval report.
- Maintains up-to-date knowledge on all Bank lending policies and regulations.
- Confers with the appropriate Bank personnel regarding new/existing lending requirements and regulations.
- Maintains the independence of the underwriting function and the recommendation of the initial credit risk rating.
- Performs annual reviews, financial spreads and global debt service calculations, as necessary.
- Ensures loan requests are underwritten consistently and in accordance with the Bank’s credit policies, procedures and standards.
- Manages assigned credit transactions, ensuring the loan requests are handled efficiently and processed in a timely manner, consistent with the Bank’s standards.
Credit Analyst
Cathay Bank
09.2021 - 08.2022
- Perform the analysis of financial statements and tax returns using CASH Insight for Account Officers to use in their recommendations for new and renewal extensions of credit.
- Calculate various financial ratios to assist in the ongoing monitoring of borrower compliance to financial covenants per loan agreements and the submission of financial documents.
- Manages ticklers and covenants and monitors receipt of financial documents pertaining to the existing credits using CASH Ontrack.
- This may include financial statements for borrowers, owners and/or guarantors, tax returns, financial spreads, collateral information, covenants, borrowing base, credit reports, and projections.
- Prepares and analyzes financial spreads using CASH Insight for private and public companies, prospect, individual and corporate tax returns according to the standard classification and guidelines established by the Bank.
- Prepares individual and global cash flows for Credit Analysis Officers.
- Calculates covenant compliance based on Borrower’s Loan Agreement (BLA).
- Forwards completed CASH spreads to lending unit.
- Identifies and notifies lending unit of covenant violations and escalates to CLPM and Credit Administrators as required.
- Maintains up-to-date knowledge on all Bank lending policies and regulations.
- Maintains up-to-date knowledge in financial spreads and basic GCF process.
- Completes quality spreads.
Client Service Representative
Bank of America
04.2020 - 09.2021
- Process transactions accurately and efficiently to build client confidence and trust, based on established policies and procedures.
- Ask clients about their financial goals and introduce services and products that will meet their needs.
- Use resources and innovative technology to optimize the client experience and inform and educate clients on how to conduct simple transactions through our mobile application and online banking.
- Navigate multiple computer applications while interacting with clients.
- Understand how clients engage with us via technology (online and mobile), financial center and contact center and make sure they're aware of all we can do to make their financial lives better.
Account Officer
Bio Edge Nutrition LLC
10.2018 - 12.2019
- Review and analyze credit information, making the preliminary assessment of an applicant’s creditworthiness and recommend pre approval of proposed credit terms.
- Spread financial statements, Use excel and spreadsheet programs to complete cash flows from tax returns, business financials, personal financial statements, credit reports, debt schedules and other information.
- Prepare accurate and concise analysis of financial information and formulate questions for review of Controller.
- Partner closely with sales team to consult on sales opportunities, Provide high level of administrative support to management team and sales team as needed.
- Handle incoming online orders and sell more products.
- Perform credit investigation (review of credit reports, D&B etc.) and perform ongoing monitoring of clients credit standing to prevent delinquency and charge off.
Education
Graduate Certification in Accounting -
UCI
09.2022
Bachelor of Arts -
UCLA
09.2018
Skills
- Extensive Experience in Financial Analysis
- Credit Analysis
- Effective Communications and Written Skills
- Microsoft Office
- Problem-solving aptitude
- Self Motivation
- Organizational Skills
- Decision-Making
- Professional Demeanor
- Works well with tight deadlines
Community Service
- MHAT, Mental Health Action Trust, Ambassador - Organize fundraisers for local low-income patients and inform locale of mental health research and organization goals through marketing and media.
- Volunteer with several non-profits such as LA Family housing corporation, Habitat for Humanity, and LA regional food banks. Actively participate in various chambers in San Gabriel valley and very knowledgeable of local community.
- UCLA Ronald Reagan Hospital, Volunteer - Interfaced with specialists and patients to provide support in each department: (Pediatrics, Oncology, Intensive Care, etc.), transport patients to be admitted and released and provide any support as and when needed.
Timeline
Credit Analysis Officer
Cathay Bank
08.2022 - Current
Credit Analyst
Cathay Bank
09.2021 - 08.2022
Client Service Representative
Bank of America
04.2020 - 09.2021
Account Officer
Bio Edge Nutrition LLC
10.2018 - 12.2019
Graduate Certification in Accounting -
UCI
Bachelor of Arts -
UCLA
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