Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

CHERRY KRAMER

Seattle,WA

Summary

Financial Analyst with 12 years of experience in finance and banking, specializing in data analysis and regulatory compliance. Proficient in Excel and SQL for financial modeling and reporting, with a proven track record of leading cross-functional teams to improve operational efficiency. Achievements include enhanced stakeholder communication and significant process improvements.

Overview

11
11
years of professional experience
1
1
Certification

Work History

Credit Risk & Operations

Builders Capital
Remote
10.2024 - 05.2025
  • Reported directly to the Chief Operations Officer (COO) to implement workflow enhancements via HubSpot, reducing the executives’ decision-making lag time, and increasing cross-team visibility.
  • Acted as an executive liaison to streamline communication and ensure regulatory alignment between leadership and operational staff.
  • Managed the Credit Officers team, and enforced underwriting policy updates.
  • Acted as the point of contact for executives and investors before and during the Loan Review Committee to facilitate new approvals and evaluate reworks for already approved deals.

Sr. Financial Reporting Analyst

HomeStreet Bank
Seattle, WA
01.2022 - 10.2024
  • Developed SQL queries and PowerPoint presentations derived from Excel models to analyze loan performance across Commercial, CRE, and Residential Construction portfolios.
  • Reported directly to the Chief Credit Officer (CCO), providing high-level financial performance analysis, and portfolio risk reporting to support quarterly executive strategies.
  • Maintained and administered the Credit Risk SharePoint site, ensuring regulatory documentation and portfolio reports were accurate and audit-ready for Deloitte and Crowe.
  • Acted as an internal resource for onboarding new data and reporting tools (SharePoint, OnBase, Abrigo).
  • Monitored over 80 underperforming loan accounts using Moody’s EWIs and historical payment patterns to identify risk trends and support delinquency management for the Special Assets Team.

Relationship Banker

First Fed Bank
Bainbridge Island, WA
12.2020 - 01.2022
  • Provided tailored financial guidance and solutions to clients, aligning banking products with individual and business needs.
  • Ensured full KYC, AML, and BSA compliance in account management and loan originations.
  • Performed monthly branch audits, cash reconciliations, and risk assessments that resulted in 100% audit compliance.
  • Facilitated onboarding for high-net-worth clients, and managed a portfolio of over $3B in client assets, collaborating and coordinating with the treasury, mortgage department, and the wealth management team.
  • Contributed to $4 million in commercial business growth through credit structuring.

Assistant Branch Manager, Operations

Chase Bank
Kenmore, WA
05.2014 - 10.2019
  • Directed daily branch operations, including resource allocation, staff scheduling, and transaction processing, to ensure efficient, customer-focused service delivery.
  • Oversaw regulatory compliance across BSA/AML, KYC, and audit requirements, maintaining a 100% audit success rate throughout my tenure.
  • Led fraud prevention efforts and implemented risk controls that reduced operational errors and flagged suspicious activity.
  • Facilitated onboarding and continuous training for frontline staff, standardizing procedures to improve branch-wide service consistency.
  • Collaborated with district leadership to implement operations best practices across regional branches.
  • Enhanced workflows and helped improve customer experiences with efficiency.
  • Compiled and analyzed operational data trends, and resource usage for performance insights.

Education

MBA - Finance

Seattle University

Bachelor of Science - Human Behavior

University of Washington

Skills

  • Data analysis (Excel, SQL, Tableau)
  • CRM tools (HubSpot, learning management system)
  • P&L forecasting and financial modeling
  • Regulatory compliance and audit preparation
  • Stakeholder communication and presentations
  • Cross-functional collaboration
  • Financial reporting
  • Data visualization

Certification

  • SQL, SharePoint, HubSpot, Learning Management System, and OnBase
  • Peak2Peak Banking Education
  • Google Data Analytics Certification

Timeline

Credit Risk & Operations

Builders Capital
10.2024 - 05.2025

Sr. Financial Reporting Analyst

HomeStreet Bank
01.2022 - 10.2024

Relationship Banker

First Fed Bank
12.2020 - 01.2022

Assistant Branch Manager, Operations

Chase Bank
05.2014 - 10.2019

MBA - Finance

Seattle University

Bachelor of Science - Human Behavior

University of Washington

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