Playing sports
Jared Willingham
Credit Analyst
Austin,TX
Summary
Driven professional who undertakes risk assessment analysis of various types of lending proposals from the straightforward to the very complex; has worked previously with financial institution, banks and regulatory compliance; has a solid background in the analysis of financial information, such as statements, management accounts and cash flow records; has developed models of credit information to predict and access patterns and trends using specialist statistical software; has a proven record of assessing the credit worthiness of client companies; has stayed informed about the legal, compliance and market-risk-related issues involved in the approval of credit; has an in-depth understanding of anti-money laundering procedures and laws.
Overview
5
5
years of professional experience
4
4
years of post-secondary education
Work History
Credit Analyst (Contractor)
Bank Of The West
Phoenix, AZ
04.2020 - Current
- Consistently exceeded monthly goals, generating over $50,000 in monthly loan volume.
- Monitored new and existing clients through monthly and annual financial and compliance reviews, evaluated ongoing collateral risk, assigned/validated risk ratings on a regular basis, and maintained applicable databases.
- Communicated with credit applicants when necessary to develop information concerning their business requirements.
- Monitored over 50 specified accounts and portfolios in accordance with approval policies and compliance regulations weekly.
Compliance Analyst (Contractor)
United Services Automobile Association, USAA
Phoenix, AZ
04.2019 - 04.2020
- Exceeded quarterly production goals while maintaining a 95% pass rate for Q3 and Q4 for 2019.
- Provided daily compliance support, spot training, and advice to site staff to correct errors and mitigate future errors.
- Conduct ongoing compliance monitoring, in conjunction with the Bank's Compliance Program, as designated annually by the Compliance Manager, as well as ensure the resolution of any Compliance issues that are tracked by Internal Audit.
- Ensured that issues related to high-risk customers are escalated properly to appropriate internal departments and established accurate and thorough documentation on all systems.
- Prepared roughly 10 suspicious activity reports weekly for BSA/AML management.
- Investigated, monitored and managed over 75 accounts for suspicious activities weekly.
Intern
Discover Card Financial Services
Phoenix, AZ
06.2018 - 08.2018
- Reviewed 4 different department structures and recommended changes based on current conditions and future financial needs.
- Presented statistical findings and translated complex quantitative information to general management on ways to improve future productivity.
- Sorted and organized files, spreadsheets and reports.
- Answered incoming telephone calls, took down messages and provided information.
- Developed business, financial and analytical skills needed for career.
Local Outreach Leader
Neighborhood Ministries
Phoenix, AZ
08.2016 - 08.2018
- Directed and participated with 3 different organizations and citizen outreach programs.
- Conducted 2 community meetings weekly for identifying and resolving community problems.
- Assisted students aged 6 - 14 years old on homework assignments twice a week.
- Conducted community workshops to promote different programs and educate public on available services.
- Connected individuals with available and relevant resources.
Education
Bachelor of Science - Finance and Economics
Grand Canyon University
Phoenix, AZ 08.2015 - 07.2019
Skills
Information gathering
Statistic analysis
Financial Management
Analytical and Critical Thinking
Interpersonal Communication
Training and Development
Budgeting
Cultural Awareness
Finance
Organization and Time Management
Accomplishments
- Member of the National Honor Society with a GPA of 3.7
- Supervised team of 10 service members in various community outreach projects.
- Used Microsoft Excel to develop inventory tracking spreadsheets.
Interests
Drawing
Cooking
Community Involvement
Outdoor activities
Timeline
Credit Analyst (Contractor)
Bank Of The West
04.2020 - Current
Compliance Analyst (Contractor)
United Services Automobile Association, USAA
04.2019 - 04.2020
Intern
Discover Card Financial Services
06.2018 - 08.2018
Local Outreach Leader
Neighborhood Ministries
08.2016 - 08.2018
Bachelor of Science - Finance and Economics
Grand Canyon University
08.2015 - 07.2019