Daniel Ruezinsky
Denver,CO
Summary
Finance Professional with extensive experience analyzing borrowers to determine internal and external risk factors while guiding deal structure and credit enhancements to minimizing risk. Proficiencies in financial statement analysis as well as the utilization of various software programs are applied to track and analyze risk tolerances from the customer to portfolio level. Works efficiently to meet the needs of managers and internal business partners with the goal of growing the Bank’s portfolio while assuring risk is contained within institutional lending parameters.
Overview
16
16
years of professional experience
Work History
Sr. Portfolio Risk Analyst
Western Alliance Bank
08.2022 - Current
Credit Analyst
FirstBank
06.2018 - Current
- Authors detailed loan presentation packages and financial spreads analyzing existing and potential credits for review and approval by executive management or credit committee.
- Reviews existing credits in the bank's portfolio quarterly, annually or on an ad hock basis to monitor covenant compliance and financial performance to assure additional loan conditions are met.
- Assists with preparing monthly and quarterly reporting to help assess credit quality and the migration of loans across the portfolio.
- Provides training and guidance for junior level analysts aiding in development and ultimately increasing their contributions to the team.
- Facilitates the activities of internal/external auditors and financial regulators when it relates to commercial lending inquiries and findings.
Credit Risk Analyst
INVESTORS BANK
06.2014 - 03.2017
- Reviewed underwriting to ensure compliance with bank policy and issued guidance as to appropriate actions to help mitigate risks associated with each request.
- Primary lines of business analyzed include Commercial Real Estate, Commercial & Industrial, Cash Flow and Asset Based Lending.
- Assess transaction viability i.e., real estate acquisition, construction, large asset purchases and company expansion as they relate to cash flow, repayment capacity, and risk appetite.
- Utilize financial statement spreading software along with current, historical and industry and economic data to project borrower performance and determine credit/asset quality
- Assisted the Head of Loan Monitoring in determining the allowance reserves as well as reporting the migration of classified and criticized assets across the portfolio.
- Facilitated the activities of internal/external auditors and financial regulators.
Assistant Branch Manager
INVESTORS BANK
06.2011 - 06.2014
- Managed 16-20 employees including Personal Bankers and Bank Tellers to ensure the profitable and efficient operation of the branch.
- Instrumental in achieving overall branch deposit, lending and investments goals each quarter.
- Coached and instructed employees to best prepare them to achieve production and development goals.
- Partnered with business development officers to identify deposit, lending opportunities, and sales of financial products including annuities and life insurance.
Licensed Personal Banker
JPMORGAN CHASE
10.2009 - 06.2011
- Worked efficiently with management and customers to ensure a positive experience while maximizing cross sell potential
- Instrumental in growing branch deposits while steadily growing lending and investment balances
- Performed extensive customer database research to identify potential new clients for business, lending and financial opportunities
- Referred customers to our business, lending and investment partners.
Education
Bachelor of Science - BUSINESS ADMINISTRATION: CONCENTRATION iN FINANCE
William Paterson University
Wayne, NJ12.2008
Skills
- Commercial Underwriting
- Financial Data Analysis
- Commercial Real Estate
- Financial Reporting
- Oral and Written Communications
- Preparing Proposals
Timeline
Sr. Portfolio Risk Analyst
Western Alliance Bank
08.2022 - Current
Credit Analyst
FirstBank
06.2018 - Current
Credit Risk Analyst
INVESTORS BANK
06.2014 - 03.2017
Assistant Branch Manager
INVESTORS BANK
06.2011 - 06.2014
Licensed Personal Banker
JPMORGAN CHASE
10.2009 - 06.2011
Bachelor of Science - BUSINESS ADMINISTRATION: CONCENTRATION iN FINANCE
William Paterson University
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