Zachary Zawie
Miami,FL
Summary
Experienced professional in credit underwriting with a strong analytical background, expertise in financial modeling, and risk management. Skilled in providing comprehensive financial analysis and conducting thorough credit risk assessments for businesses of all sizes. Adept at identifying opportunities to optimize financial operations through innovative strategies and efficient processes.
Overview
15
15
years of professional experience
Work History
Chief Operating Officer
Donegal Bay USA
05.2023 - Current
- Identified and pursued business development opportunities to grow organization and increase revenue. Sourced new online revenue streams for the business.
- Oversaw day-to-day operations to keep organization running smoothly while meeting business goals.
- Formulated and executed strategic initiatives to improve product offerings and increase total number of licenses held by the business. Increased NCAA licenses held by 10%.
Credit Underwriter
Bank of America
07.2019 - 04.2023
- Managed a portfolio of 20+ Middle Market and Corporate clients, including both privately held and publicly traded companies across the South Florida market
- Deal types include a mix of bilateral and syndications and span multiple industries
- Worked closely with Relationship Managers and Credit Product Officers to structure complex deals for existing and prospective clients while assessing the financial condition, repayment capacity, and risks associated with each transaction
- Reviewed, on average, 1-2 new prospective client transactions a month and managed on a go-forward basis if converted to a client
- Prepared Credit Approval Memos for all new originations, modifications, and annual reviews
- Performed financial and cash flow analysis as well as projection modeling for commercial loans
- Maintained positive portfolio metrics and ensure all deals fit within company risk framework policy
Credit Underwriter
JPMorgan Chase
01.2017 - 04.2019
- Responsible for managing a portfolio of 20+ Middle Market clients across Miami, Broward, and West Palm Beach while helping the market drive business through efficient underwriting and sound risk management
- Review prospective deals and make recommendations for deal structures to the Credit Risk Manager
- Prepare Credit Approval Packages for all new originations, modifications, and annual reviews
- Build and maintain projection models for clients on an ongoing basis
- Track portfolio metrics, ticklers, and exceptions for portfolio
- Mentored and helped develop analysts who support the Underwriters
Credit Analyst
JPMorgan Chase
06.2014 - 01.2017
- Completed JPMorgan Chase's formal credit training program and subsequent trainings for advanced financial modeling, deal structuring, and business writing
- Supported Senior Underwriters in managing their portfolios by assisting in underwriting new commercial clients, renewals and extensions of existing clients, and completing annual client reviews
- Managed portfolio metrics, ticklers, and exceptions for the South Florida market credit team
- Aided in the underwriting of a large, syndicated transaction involving mortgages on over 15 commercial properties, in which JPMC was the lead bank
Financial Analyst / Financial Associate
JPMorgan Chase
06.2010 - 06.2014
- Took part in a 2.5-year rotational financial analyst program which provided the opportunity to work in 3 of JPMC's lines of business (Corporate and Investment Bank, Card Services, and Commercial Banking) before being promoted to financial associate in which I worked in the Commercial Banking - Middle Market finance group supporting the National Middle Market CFO
- Took the lead creating and distributing market and segment level reporting for all Middle Market segments
- Created quarterly business reviews for company senior management
- Supported the Director of Strategic Initiatives in the Commercial Bank on special projects aimed to make the bank more efficient and profitable
Education
Bachelor of Business Administration (B.B.A.) - Finance, Accounting
Loyola University of Chicago
Chicago, Illinois01.2010
Skills
- Analyst Risk Training
- Financial Projection and Sensitization Modeling
- Business Writing
- Deal Structuring
- Proficient in Microsoft Office
- Credit analysis
- Credit decision making
- Cash flow analysis
- Documentation review
- Financial statement analysis
- Verbal and written communication
Training/Skills/Awards/Volunteering
- Formally credit trained through JPMorgan Chase's Analyst Risk Training Program.
- Other trainings completed include: Financial Projection and Sensitization Modeling, Business Writing, and Deal Structuring.
- Proficient in Microsoft Office products including Excel, Word, PowerPoint, and Outlook.
- Bank of America's Global Recognition Gold Award, 09/01/21, National Underwriter of the Month, 09/01/18.
- Served as co-chair of the Volunteer Leadership Group at JPMorgan Chase which was tasked with organizing and communicating volunteer events for employees in the Miami market.
Timeline
Chief Operating Officer
Donegal Bay USA
05.2023 - Current
Credit Underwriter
Bank of America
07.2019 - 04.2023
Credit Underwriter
JPMorgan Chase
01.2017 - 04.2019
Credit Analyst
JPMorgan Chase
06.2014 - 01.2017
Financial Analyst / Financial Associate
JPMorgan Chase
06.2010 - 06.2014
Bachelor of Business Administration (B.B.A.) - Finance, Accounting
Loyola University of Chicago
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