Jack Hiegel

• Prepared and presented comprehensive credit memos to loan committees, detailing financial trends, risk factors, and loan structure recommendations
• Conducted in-depth financial analysis on prospective and existing clients to evaluate creditworthiness, including assessments of liquidity, profitability, and leverage ratios
• Partnered with Relationship Managers to tailor financing solutions to client needs while adhering to reasonable credit guidelines
• Utilized a variety of financial statements to create analyses (trends, cash flow, leverage, etc.) supporting underwriting decisions for commercial loans ranging from $500K to $10M
• Provided financing solutions as described above for a wide range of industries, including:

- Commercial Real Estate: Multifamily Residential, Retail, Industrial

- Commercial & Industrial: Manufacturing, Agriculture, Construction, etc.
- Floor Plan: Trailer, Boat, and Car dealerships
- Non-Profits: Educational Institutions, Charities, Summer Camps, Churches, Healthcare

• Provided 1-on-1 instruction time with students in the fields of Accounting and Economics
• Taught students remotely via live video sessions using Microsoft Whiteboard
• Supported students' conceptual understanding of economic and accounting principles
• Maintained professional and inviting relationships with students and stayed in correspondence with them to ensure academic success