Summary
Overview
Work History
Education
Skills
Accomplishments
References
Timeline
Generic

Harrison Nerren

Houston,TX

Summary

Highly analytical credit analyst with expertise in credit and risk analysis, focused on helping companies ascertain minimal levels of credit risk exposure while still maximizing company profits.

Overview

4
4
years of professional experience

Work History

Credit Analyst

Enterprise Products
04.2023 - Current
  • Oversees daily management of the credit risk portfolio within the crude and natural gas sector, as well as refined products and natural gas liquids departments
  • Responsible for the credit review process of current and future counterparties by evaluating company financials and assigning a credit risk structure to each
  • Consistently analyzing counterparties' liquidity and debt maturity structures for current and potential borrowers to ascertain creditworthiness
  • Perform credit security task such as parental guarantees, letters of credit, and line of credit limits to maintain low credit risk exposures
  • Proactively work will all sectors of the trading departments for future transactions by reviewing appropriate credit requirements within each contract.
  • Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.

Loan Officer Associate

Heritage Land Bank
01.2022 - 04.2023
  • Ensures all assigned loans are properly risk rated, loans given defaults are within compliance, and performance status assignments are proper.
  • Exercise credit risk management on all loans
  • Oversee and manage $10,000,000 portfolio
  • Analyzed balance sheets, income statements, and cash flows statements of potential borrowers to ascertain creditworthiness
  • Convey loan approvals, financial structuring, and lending decisions
  • Originate and service loans within delegated authority and by association policies

Mortgage Operations Analyst

Texas Capital Bank
10.2021 - 12.2021
  • Reviewed and authorized daily funding request for various products
  • Reviewed and validated investor forms (GNMA 11711A / Freddie Mac 996E forms)
  • Monitored M203 Reports for assigned clients for tracking of collateral.
  • Validated results and performed quality assurance to assess the accuracy of data.

Credit Analyst Intern

Lone Star Ag Credit
06.2020 - 08.2020
  • Assisted senior analysts in developing credit risk assessments for loan portfolio management.
  • Conducted periodic portfolio reviews, identifying early signs of distress or deterioration in the borrowers financial health.
  • Collaborated with other teams to identify and mitigate risks impacting the organization.

Education

Bachelor of Science - Agriculture Economics

Texas A&M University
College Station, TX
05.2021

Skills

  • Profit/Loss forecasting
  • Economic data collection and analysis
  • Proficient in Microsoft Excel
  • Pricing analysis
  • Portfolio Management
  • Risk mitigation strategies
  • Credit analysis
  • Financial statement analysis

Accomplishments

  • Magna Cum Laude Graduate
  • Dean’s Honor Award
  • The Society for Collegiate Leadership & Achievement - Collegiate honors society

References

  • Joe Hayman

     Chief Executive Officer

     Lone Star Ag Credit

     1612 Summit Avenue, Suite 325

     Fort Worth, TX 76102


  • Ben Butler

     Loan Officer/Vice President of Lending

     Heritage Land Bank

     5901 Wesley Street #102

     Greenville, TX 75402

     (318) 259-6681

Timeline

Credit Analyst

Enterprise Products
04.2023 - Current

Loan Officer Associate

Heritage Land Bank
01.2022 - 04.2023

Mortgage Operations Analyst

Texas Capital Bank
10.2021 - 12.2021

Credit Analyst Intern

Lone Star Ag Credit
06.2020 - 08.2020

Bachelor of Science - Agriculture Economics

Texas A&M University

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Harrison Nerren