Isaac Cook
Parkland
Summary
Results-driven Senior Credit Analyst with over 7 years of experience in risk assessment, underwriting, and credit administration. Proven ability to leverage advanced financial acumen and data modeling skills to enhance decision-making processes and drive business growth. Committed to continuous professional development and seeking opportunities for further advancement within the finance sector.
Overview
9
9
years of professional experience
Work History
Senior Credit Analyst
Harborstone Credit Union
08.2020 - Current
- Senior Credit Analyst with Harborstone Credit Union handling loan underwriting and servicing for credits in the $100M thru $15MM+ range. Credit Risk Certification holder, CFA level II candidate.
- Developed and reviewed cash flow projections including the use of historical data sets, market trends and product development, applying discount rates, UCA analysis and stress testing where applicable.
- Intermittently managed and executed all commercial loan underwriting requirement including write ups, financial spreads, file management, loan committee submissions & term loan reviews for construction, commercial & industrial and various other income producing collateral types.
- Revamped the entire Credit Write Up and underwriting process including reformatting write ups to generate more in depth analysis utilizing turnover and efficiency ratios, truncating excess information and shifting focus to substance creating a more effective, easier to read presentation.
- Discussed loan terms and documentation requirements with customers directly as necessary.
- Collaborated with lenders and customers streamlining documentation requirements, efficiency improvements & credit policy guidance resulting in decreased strain on all parties.
- Coordinated with Credit Administrator and Loan Committee Quorum, finalizing and presenting all credit applications ensuring absolute accuracy and timeliness.
- Mentored and trained junior analysts and departmental staff improving adherence to guidelines, policies and practices while also developing junior analyst skill sets resulting in superior analysis and team cohesion.
- Prepared and coordinated with internal and external audit staff achieving zero audit findings over four years, demonstrating exceptional compliance and attention to detail.
- Awarded Credit Risk Certification as offered by Risk Management Association and passed the Chartered Financial Analyst (CFA) level I exam while serving as sole Credit Analyst in the credit department. Actively studying for CFA level II exam.
Credit Analyst
NorthStar Energy
10.2019 - 04.2020
- Contract work through temp agency; analyzed credit risk for commercial accounts, ensuring compliance with internal policies and regulations on both consumer and business accounts.
- Aided in collection of past due AR, contract resolution / negotiation resulting in successful retention of $2.6MM balance of past due labor contract with competing oil firm.
- Collected past due balances by contacting business customers and providing invoices and backup documentation as necessary successfully correcting over $10MM in arrears.
- Served as stand in credit manager during corporate transition from Alaska to Seattle, reporting directly to CFO.
Credit Analyst
Columbia Bank
11.2016 - 12.2018
- Started as personal banker processing consumer loans (HELOCs, vehicle loans, PLOCs) before developing an interest in commercial banking and transitioning to junior credit analyst.
- Provided loan reports to Loan Officers and monitored past due accounts and watch lists.
- Processed financial spreads for Loan Officers on credits in the $2MM+ range while handling servicing and payments on existing business customers.
- Opened escrow accounts, signed loan documents and regularly conversed with customers on various loan requirements and appointments ensuring timely execution of all credit and legal documents.
Education
CFA Level II Candidate -
CFA Institute
06-2026
Credit Risk Certification - undefined
Risk Management Association
01-2021
Some College
Tacoma Community College
01-2017
Skills
- Loan structuring
- Credit decisions
- Risk Analysis
- Economics
- Finance and Investments
- Accounting Standards GAAP and IFRS
- Financial Reporting and Analysis
- Audit Reporting and Processing
- Board Relations and Presentation
- Data Analytics
- Budgeting
- Creative Problem Solving
- Team Management and Mentoring
- Project Development and Process Improvements
- Relationship Management
- Interviewing
Timeline
Senior Credit Analyst
Harborstone Credit Union
08.2020 - Current
Credit Analyst
NorthStar Energy
10.2019 - 04.2020
Credit Analyst
Columbia Bank
11.2016 - 12.2018
Credit Risk Certification - undefined
Risk Management Association
CFA Level II Candidate -
CFA Institute
Some College
Tacoma Community College