Jennifer Dachowski
West Allis
Summary
Results-driven Senior Credit Analyst with expertise in credit risk assessment and financial analysis. Proven ability to enhance risk mitigation strategies and drive informed decision-making in credit underwriting.
Overview
18
18
years of professional experience
Work History
Senior Credit Analyst
Worldpay
Milwaukee, WI
02.2022 - Current
- Conduct comprehensive credit underwriting and risk assessments for new and existing merchant relationships, analyzing financial statements, cash flow, leverage, liquidity, business models, and industry risks to determine creditworthiness and potential exposure.
- Assign internal credit ratings and formulate risk-based recommendations regarding account approvals, credit limits, and exposure management strategies.
- Monitor and manage a portfolio of merchant accounts, identifying emerging credit concerns through ongoing review of processing activity, chargebacks, refunds, financial performance, and adverse market developments.
- Structure and recommend risk mitigation solutions, including reserves, letters of credit, guarantees, and other collateral arrangements to protest the organization from potential losses.
- Prepare detailed credit memoranda and present findings and recommendations to management within delegated approval authorities.
- Partner with Sales, Relationship Management, Risk Operations, Legal and senior leadership to balance prudent risk management with strategic business growth objectives.
- Perform periodic credit reviews and ensure compliance with company's credit policies, procedures, and governance standards.
- Manage higher-risk and watch-list relationships, escalating concerns and recommending remediation strategies to minimize credit losses and operational risks.
Credit Analyst Officier
Tri City National Bank
Oak Creek, WI
03.2018 - 02.2022
- Analyzed credit data to evaluate risk and determine creditworthiness of applicants with a recommendation for approval or denial.
- Collaborated with lending officers to enhance loan processing efficiency and reduce turnaround times.
- Developed comprehensive reports on credit trends to inform strategic decision-making for management.
- Conducted detailed financial analysis to support loan approvals and mitigate potential defaults.
- Study changes in the market, changes in industry types, and changes to interest rates.
- Assist loan officers in presenting potential deals to senior credit committee.
Senior Credit Analyst
B.C. Ziegler and Company
Milwaukee, WI
10.2008 - 12.2017
- Monitor assigned Ziegler and non-Ziegler underwritten non-profit sector municipal bond issues.
- Perform value-added, timely, secondary market credit research and evaluations on borrowers' credit position with a 12-to-18 month financial status predictions.
- Publish analyst-certified reports from investor-held calls, credit updates and alerts, etc. for whom Ziegler has underwritten bond issues.
- Perform financial, business, and market analysis with a special emphasis on reformatting financial statements and benchmarking key performance metrics.
- Calculate various financial ratios on all audited, unaudited, or internal company-prepared financial statements on assigned credits.
- Develop and construct financial ratio model for senior living providers, hospitals and charter schools.
Education
MBA -
Cardinal Stritch University
Brookfield, WI05-2012
Skills
- Financial credit analysis
- Credit risk assessment
- Credit scoring models
Timeline
Senior Credit Analyst
Worldpay
02.2022 - Current
Credit Analyst Officier
Tri City National Bank
03.2018 - 02.2022
Senior Credit Analyst
B.C. Ziegler and Company
10.2008 - 12.2017
MBA -
Cardinal Stritch University