Cal Gustavsen
Summary
- Highly trained Credit Analyst offering excellent skills in managing issues, updating files and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought.
- Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.
- Efficient Senior Audit Associate equipped with skills in team leadership, audit planning and report preparation. Proven capabilities in [Type] audits and client relations. Accomplished in training and mentoring staff to build strong teams and consistently achieve auditing goals.
- Thoughtful Senior Audit Associate with over [Number] years of experience performing audits for business clients. Proficient with [Software]. Offering strong leadership and problem-solving skills.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Credit Analyst
AgAmerica Lending LLC
10.2023 - Current
- Analyzed customer data to determine level of risk involved for extending credit.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Collaborated with cross-functional teams to develop innovative credit products that met the unique needs of clients.
- Executed over $60M in approvals over ~15 deals.
Senior Associate
Armanino LLP
07.2022 - 09.2023
- Streamlined operational efficiency by identifying areas for improvement and proposing actionable solutions.
- Delegate responsibilities to team members to ensure the audit is completed timely
- Effectively managed multiple competing priorities while maintaining focus on delivering exceptional results for clients and the organization.
- Consistently maintained strong relationships with clients, ensuring clear communication and timely updates on project progress.
Audit Associate
Armanino LLP
10.2020 - 06.2022
- Prepared working papers, reports and supporting documentation for audit findings.
- Demonstrated ability to efficiently complete the financial audit for complex sections.
- Corresponded with superiors to resolve technical accounting issues in a timely manner.
- Developed a thorough understanding of GAAP Accounting Principles.
Credit Assistant
U.S. Bank
05.2018 - 08.2018
- Developed an understanding of the large banking industry, specifically commercial real estate.
Relationship Manager Intern
U.S. Bank
05.2019 - 08.2019
- Invited back for a second-year internship
- Revamped professional skills and client communication.
Education
Master of Arts - Accounting
University of Idaho
Moscow, ID05.2020
Bachelor of Arts - Finance
University of Idaho
Moscow, ID12.2019
Skills
- Risk Assessment
- Credit analysis
- Financial statement analysis and expertise
- Credit risk
- Verbal and written communication
- Microsoft Excel proficiency
- Internal controls development
- Debt structuring
- Audit Planning
- Ethics and integrity
Skills Experience
- Hold an active CPA License
- Through auditing, obtained an understanding of client audit preparation
- Knowledge of all Microsoft Office Products with extensive Excel experience
- Understanding of SOX and internal controls
- Knowledge of GAAP with all Balance Sheet & Income Statement Cycles
Certification
- Active CPA - Certified Public Accountant
Timeline
Credit Analyst
AgAmerica Lending LLC
10.2023 - Current
Senior Associate
Armanino LLP
07.2022 - 09.2023
Audit Associate
Armanino LLP
10.2020 - 06.2022
Relationship Manager Intern
U.S. Bank
05.2019 - 08.2019
Credit Assistant
U.S. Bank
05.2018 - 08.2018
Master of Arts - Accounting
University of Idaho
Bachelor of Arts - Finance
University of Idaho
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