Jack Culbertson
Cincinnati
Summary
I am seeking to leverage my analytical expertise and risk insight through my time at Fifth Third Bank to build a career in lending—driven by a passion for helping individuals and businesses achieve their financial goals through sound credit decisions and relationship-focused service.
Overview
4
4
years of professional experience
Work History
Audit Associate II - Mortgage Lending and Sales
Fifth Third Bank
06.2022 - Current
- Prepared working papers, reports and supporting documentation for audit findings.
- Prepared comprehensive audit reports, detailing findings and presenting recommendations for improvement.
- Worked with Mortgage Sales, Servicing, and Lending teams to learn more about processes unique to those areas. Gained basic comprehension in lending practices, bank applications, and sales practices. With that experience, gained the ability to identify and recommend process improvements, issues, and risk mitigation.
- Developed a strong understanding of risk appetite frameworks and enterprise risk management principles by collaborating with Credit Risk, Reputational Risk, and Enterprise Risk Governance teams; fostered productive relationships with key stakeholders to support risk-informed decision-making across the organization.
- Developed strong relationships with clients through clear communication, transparency, and professionalism throughout the entire audit process.
- Performed strategic planning, execution and finalization of audits.
Sales and Financial Analyst Internship
AssuredPartners
05.2021 - 08.2021
- Conducted detailed financial analysis to identify and evaluate changes in operations, trends and potential areas of improvement.
- Gained experience in sales practices and client management for various insurance relationships.
- Educated clients on current promotional offerings and products using persuasive selling tactics.
- Developed new client relationships by actively engaging with potential customers and highlighting the benefits of our product offerings.
Education
Bachelor of Arts - Finance And Business Analytics
University of Dayton
Dayton, OH05-2022
Skills
- Financial statement auditing
- Microsoft Excel proficiency
- Substantive testing
- Control testing
- Documentation review
- Financial records review
- Cross-functional teamwork
- Risk assessment analysis
- Audit report writing
- Analytical research
- Problem-solving abilities
- Multitasking Abilities
Timeline
Audit Associate II - Mortgage Lending and Sales
Fifth Third Bank
06.2022 - Current
Sales and Financial Analyst Internship
AssuredPartners
05.2021 - 08.2021
Bachelor of Arts - Finance And Business Analytics
University of Dayton
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