Highly experienced credit analyst offering well developed skills with management and mentoring capabilities. Pursuing a position with a regional/national financial institution.
Overview
28
28
years of professional experience
Work History
Credit Analyst IV
Origin Bank
West Monroe, LA
2010.04 - Current
Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
Provided training sessions for new staff members on credit analysis techniques.
Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
Relationship Manager
Regions Bank
Monroe, LA
2008.03 - 2010.04
Identified customer needs, developed customized solutions, and provided knowledgeable advice.
Collaborated with internal teams to develop strategies that would increase customer engagement levels.
Analyzed market trends and identified potential new customers through research activities.
Established strong client relationships to drive business development.
Commercial Underwriter
JP Morgan Chase
Monroe, LA
1996.10 - 2007.03
Prepared detailed written analyses of loan requests for presentation to senior management.
Inspected financial statements, credit information and title data to complete underwriting process.
Performed periodic reviews of existing customers' accounts for ongoing creditworthiness assessment purposes.
Coordinated with other departments such as Loan Administration and Credit Risk Management during the underwriting process.
Education
MBA - Finance
Southeastern Louisiana University
Hammond, LA
1993-05
Bachelor of Science - Psychology
Louisiana State University And A&M College
Baton Rouge, LA
1991-05
Skills
Data Compilation
Underwriting
Proficient in Microsoft Office Suite; IBS; n-Cino; Risk Analyst
Risk mitigation strategies
Portfolio Management
Cash Flow analysis
Oral and written communications
Statement Review
Affiliations
Kiwanis Club member for over 7 years serving as President for 3 years
Accomplishments
Leadership Ouachita Graduate
Timeline
Credit Analyst IV
Origin Bank
2010.04 - Current
Relationship Manager
Regions Bank
2008.03 - 2010.04
Commercial Underwriter
JP Morgan Chase
1996.10 - 2007.03
MBA - Finance
Southeastern Louisiana University
Bachelor of Science - Psychology
Louisiana State University And A&M College
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