EYBI FUNEZ
Rahway,NJ
Summary
Versatile professional with a strong foundation in analyzing business information to support strategic decision-making. Adept at excelling under pressure, adapting to change, and delivering accurate insights. Actively pursuing a career as a Credit Analyst to apply analytical expertise, financial acumen, and commitment to continuous improvement toward effective credit risk management.
Overview
5
5
years of professional experience
Work History
CRE Financial Analyst
Armada Analytics, Inc
Greenville, SC
07.2024 - Current
- Performed budget forecasting by comparing actual financial results to pro forma projections, identifying cost drivers, and recommending corrective financial strategies.
- Reviewed and analyzed the financial statements of potential borrowers to determine creditworthiness.
- Spread and analyzed borrower financial statements into standardized bank templates to support credit risk assessments and loan decisions.
- Supported financial due diligence by reviewing lease agreements, operating statements, and third-party reports to validate assumptions and revenue streams.
- Analyzed monthly balance sheets, income statements, cash flow statements, and budgets to assess asset evaluation, forecast returns, and identify pricing sensitivities, along with risk exposures.
- Performed comprehensive market and competitor analysis to benchmark rental rates, vacancy trends, cap rates, and supply-demand conditions, directly impacting rental pricing strategies.
- Analyzed local market dynamics, demographic trends, and comparable assets to validate property feasibility, and flag geographic or economic vulnerabilities.
- Assessed the financial impact of capital expenditures and operational changes on overall project budgets for real estate properties, and long-term performance.
- Collaborated with appraisers to assess value of properties prior to acquisition or sale.
- Compiled reports summarizing market conditions, demographics, economic trends, zoning regulations and tax implications of proposed investments.
PURCHASING INTERN
Plastic Omnium Auto Exteriors
Greer, SC
07.2023 - 07.2024
- Designed data-driven sourcing strategies to align with revenue goals, aiding in competitive RFQ development.
- Developed and maintained detailed project plans, timelines, and milestones to ensure successful project delivery.
- Performed a comprehensive expenditure analysis to uncover cost-saving opportunities.
- Enforced purchase-to-pay protocols, supporting accurate payment to suppliers, to maintain pricing integrity.
- Participated in supplier evaluations to assess quality and reliability standards.
- Participated in meetings with other departments regarding purchasing decisions or strategies.
- Collaborated with operations and finance teams to build accurate budgets and forecasts for yearly financial planning.
- Assisted in identifying cost inefficiencies and determining solutions.
- Assisted in researching potential vendors and suppliers to determine pricing, availability, quality of products, and delivery times.
- Provided support in negotiating terms and conditions of contracts with vendors and suppliers.
MANAGEMENT TRAINEE
Enterprise Rent-A-Car
Spartanburg, SC
09.2021 - 05.2023
- Completed intensive management training program with a focus on strategic leadership, operational efficiency, and organizational planning.
- Contributed to the development and rollout of operational policies, improving process efficiency and supporting data-driven decision-making.
- Analyzed customer feedback and service gaps to exceed satisfaction benchmarks, indirectly supporting customer retention metrics and pricing value perception.
- Delegated tasks and managed team objectives, driving operational performance and aligning efforts with financial targets.
- Resolved customer escalations in a timely manner, contributing to long-term retention and reducing potential revenue loss from churn.
- Forecasted demand and prioritized fleet allocation, maximizing car rental revenue based on utilization rates and customer booking trends.
- Partnered with management to analyze monthly financials, identifying cost drivers and uncovering opportunities to increase branch profitability.
- Managed customer invoicing and collections, improving accounts receivable performance and enhancing cash flow predictability.
- Acted as intermediary between stakeholders (customers, insurers, repair shops) to streamline repair timelines and support positive customer experiences.
BRANCH OPERATIONS INTERN
Regional Finance
Simpsonville, SC
08.2020 - 03.2021
- Conducted in-depth credit analysis on prospective borrowers, evaluating creditworthiness, and presenting findings to underwriters to support informed lending decisions.
- Delivered clear, comprehensive explanations of credit proposals and risk assessments to clients, facilitating transparency in loan approval and denial decisions.
- Reviewed loan applications for accuracy, completeness, and compliance with internal lending policies and regulatory guidelines.
- Evaluated existing customer accounts by analyzing repayment history, account performance, and financial risk indicators.
- Oversaw loan closing procedures, ensuring clients fully understood loan terms, contractual obligations, and documentation.
- Negotiated successful loan agreements by aligning rates, terms, and product options with customer needs and risk profiles.
- Advised clients on debt consolidation strategies, providing tailored financial solutions to improve repayment capacity and credit standing.
- Enhanced account operations by resolving issues with default accounts and producing detailed risk analysis reports.
Education
BUSINESS ADMINISTRATION - FINANCE AND ECONOMICS
University of South Carolina
05-2024
Skills
- Data-driven decision making
- Market Research
- Due Diligence Review
- RFQ'S
- Microsoft Office
- Relationship/Supplier Management
- Project management
- Budget Forecasting
- Credit risk assessment
- Market analysis
- Credit Assessment
- Negotiation
- Strategic Planning
Languages
Spanish, Native
Timeline
CRE Financial Analyst
Armada Analytics, Inc
07.2024 - Current
PURCHASING INTERN
Plastic Omnium Auto Exteriors
07.2023 - 07.2024
MANAGEMENT TRAINEE
Enterprise Rent-A-Car
09.2021 - 05.2023
BRANCH OPERATIONS INTERN
Regional Finance
08.2020 - 03.2021
BUSINESS ADMINISTRATION - FINANCE AND ECONOMICS
University of South Carolina
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