Fred J. Del Bianco Jr.
Shelton,Connecticut
Summary
Formally credit-trained, financial professional with 15 years of commercial loan underwriting/credit analysis experience; also possess approximately ten years of consumer and retail lending background; highly skilled written and oral communicator, adept at handling multiple tasks in high-pressure situations; superior writer and effective verbal communicator, with the ability to work both independently and collaboratively; extremely reliable, with strong work ethic and sense of urgency; proficiency with MS Excel and Word and experience with Salesforce Enterprise, Sageworks, and nCino software.
Overview
25
25
years of professional experience
Work History
Credit Analyst
North Mill Equipment Finance, LLC, Norwalk, Connecticut
Norwalk, Connecticut
01.2016
- Company Overview: Equipment leasing and finance company founded in 1957, serving a variety of industries.
- Performed credit reviews for small- and middle-ticket transactions by recommending appropriate credit limits, assigning credit ratings, and maintaining an acceptable decision turnaround time.
- Analyzed personal and corporate financials, tax returns, and personal financial statements.
- Reviewed borrower criminal background and credit reports, as well as UCC-1 filings.
Credit Analyst
Cartus Corporation, Danbury, Connecticut
Danbury, Connecticut
01.2012
- Company Overview: Privately held international company specializing in relocation services
- Performed credit reviews and analyses on multinational corporations for the purpose of assessing financial performance and condition of prospective and existing clients.
- Researched S&P and Moody’s bond ratings.
Grocery Clerk
Wakefern/ShopRite Corporation
09.2024 - Current
- Responsible for stocking and replenishing store shelves and aisles; assisting customers with inquiries and requests; unloading and distributing freight.
Credit Risk Review Analyst
JPMorgan Chase
03.2023 - 04.2023
- Company Overview: Top-tier, International banking firm headquartered in New York City
- Conducted annual credit reviews on corporate credit card accounts.
- Temporary
Credit Analyst
Affinity Federal Credit Union
03.2022 - 10.2022
- Company Overview: $4 billion New Jersey-based credit union
- Performed credit reviews and analyses on investment/rental real estate (CRE) loan requests.
- Temporary
Credit Analyst
Dime Community Bank
11.2020 - 06.2021
- Company Overview: New York-based, full-service community bank that merged with BNB Bank in 2021.
- Performed credit reviews and assigned risk ratings on existing commercial real estate loans.
- Evaluated commercial real estate portfolio by researching NYC Department of Building violations to verify compliance with building code standards.
- Researched payment performance and conformance with covenant requirements.
- Temporary
Credit Research Analyst
Global Partners LP, Branford, Connecticut
Branford, Connecticut
05.2017 - 01.2018
- Company Overview: Fortune 500 company that distributes gasoline, distillates, residual oil, and renewable fuels to wholesalers, retailers, and commercial customers in New England and New York State. Founded in 1933.
- Examined credit files and conducted research on new and existing gasoline station/convenience store owners by retrieving TransUnion credit reports, Dun and Bradstreet reports, Secretary of State business (UCC-1) searches, and real estate searches. Evaluated business and personal tax returns and financial statements.
- Utilized the above information, as well as gasoline sales volume reports, to determine customer credit worthiness.
Credit Analyst
The Milford Bank, Milford, Connecticut
Milford, Connecticut
01.2013 - 01.2015
- Company Overview: Community bank headquartered in Milford, Connecticut. Founded in 1875.
- Performed credit analysis on prospective and existing C&I and CRE (including multifamily, mixed use, and retail properties) borrowers for credit requests in the low four-figure to low seven-figure range.
- Analyzed company financial statements and tax returns, as well as personal tax returns and personal financial statements: evaluated global cash flows to determine overall debt service ability; analyzed stress levels; identified risks and mitigates; reviewed guarantor credit reports and spread financial statements.
Credit Analyst
First County Bank, Stamford, Connecticut
Stamford, Connecticut
01.2001 - 01.2010
- Company Overview: Mutual community bank based in Stamford, Connecticut. Founded in 1851 as Stamford Savings Bank.
- Reviewed the credit quality of new and existing commercial clients by analyzing business and personal financial statements and tax returns, Dun & Bradstreet business reports, and personal credit reports.
- Evaluated balance sheet strength, trends, ratios, and global cash flows; conducted industry comparisons;
- Prepared write-ups for new and existing borrowers. Interacted with relationship manager throughout the credit process.
Education
Formal Credit Training -
Risk Management Association
Graduate Professional Certificate - Finance
Sacred Heart University
Fairfield, ConnecticutBachelor of Science Degree - Finance
Sacred Heart University
Fairfield, ConnecticutTimeline
Grocery Clerk
Wakefern/ShopRite Corporation
09.2024 - Current
Credit Risk Review Analyst
JPMorgan Chase
03.2023 - 04.2023
Credit Analyst
Affinity Federal Credit Union
03.2022 - 10.2022
Credit Analyst
Dime Community Bank
11.2020 - 06.2021
Credit Research Analyst
Global Partners LP, Branford, Connecticut
05.2017 - 01.2018
Credit Analyst
North Mill Equipment Finance, LLC, Norwalk, Connecticut
01.2016
Credit Analyst
The Milford Bank, Milford, Connecticut
01.2013 - 01.2015
Credit Analyst
Cartus Corporation, Danbury, Connecticut
01.2012
Credit Analyst
First County Bank, Stamford, Connecticut
01.2001 - 01.2010
Graduate Professional Certificate - Finance
Sacred Heart University
Bachelor of Science Degree - Finance
Sacred Heart University
Formal Credit Training -
Risk Management Association