Garrett Milosch
Dallas,TX
Summary
Commercial banking professional with experience in credit risk modeling, data analysis, and underwriting within loan portfolio management. Skilled in SQL, Excel, Power BI, and Tableau, with a strong foundation in evaluating loan performance, and delivering actionable insights. Holds both a Bachelor's and a Master's degree in Finance from Marquette University, with a specialization in commercial real estate.
Overview
3
3
years of professional experience
Work History
Credit Risk Rating Analyst
Veritex Community Bank
11.2024 - Current
- Develop and maintain credit risk models to evaluate the performance and risk profile of a $13B loan portfolio in CRE and C&I verticals.
- Perform in-depth analysis to identify trends, inconsistencies, and outliers within loan data, to drive data-driven recommendations to management.
- Generate monthly and quarterly reporting packages used by leadership to monitor credit performance and data quality.
- Utilize SQL, Power BI, and Tableau to extract and manipulate loan data for use in risk analysis and reporting workflows.
- Monitor commercial loan portfolio trends to support early identification of concentration risks, while enhancing task automation workflows.
- Partner with underwriting, covenant compliance, and data governance teams to ensure alignment on credit model assumptions and data usage.
Credit Analyst II
Town Bank - Wintrust Community Bank
08.2022 - 11.2024
- Present detailed credit presentations on new and existing loans by examining financial statements and market data, and identify potential risks to assess creditworthiness.
- Conduct in-depth credit analysis within CRE and C&I verticals, including cash flow, balance sheet, collateral, and guarantor analysis, providing recommendations to senior management.
- Participate in high-level meetings with clients and relationship managers, providing strategic insights on loan terms to strike a balance between client stability and bank profitability.
Education
Master of Science - Finance
Marquette University
Milwaukee, WI05.2024
Bachelor of Science - Finance and Commercial Real Estate, Political Science
Marquette University
Milwaukee, WI08.2022
Skills
- Credit risk modeling
- SQL database management
- Power BI
- Tableau
- Data visualization tools
- Loan portfolio analysis
- Risk rating systems
- Data interpretation
Timeline
Credit Risk Rating Analyst
Veritex Community Bank
11.2024 - Current
Credit Analyst II
Town Bank - Wintrust Community Bank
08.2022 - 11.2024
Master of Science - Finance
Marquette University
Bachelor of Science - Finance and Commercial Real Estate, Political Science
Marquette University
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