Summary
Overview
Work History
Education
Skills
Certification
Timeline
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John Ralph

New York,NY

Summary

Detail-oriented finance professional with diverse experience in identifying investment opportunities and formulating strategic plans. Strong analytical and financial modeling skills, complemented by effective communication and a strong background in credit and financial analysis.

Overview

4
4
years of professional experience
1
1
Certification

Work History

Fitch Ratings
New York, NY
01.2024 - Current
  • Elevated to Senior Analyst role for outstanding performance in evaluating North American banking institutions; coverage expanded to 7 U.S. banks.
  • Mentored and trained junior analysts, contributing to their professional growth and development.
  • Contributed to Fitch's Quarterly Banking Comment and industry research to enhance sector insights.
  • Authored key content in Fitch's Reciprocal Deposit analysis.

Analyst

Fitch Ratings
New York, NY
05.2022 - 12.2023
  • Performed thorough due diligence and in-depth financial analysis for credit research reports; lead analyst on 4 U.S. banks.
  • Collaborated with management teams to understand business strategies and objectives.
  • Analyzed regulatory developments to determine potential impacts on financial institutions.

Associate Credit Analyst

Needham Bank
Needham, MA
04.2021 - 04.2022
  • Elevated to Credit Analyst after a successful internship.
  • Assessed borrower creditworthiness via thorough financial analysis for loan applications up to $20 million.
  • Helped develop underwriting processes for two small business development programs.
  • Oversaw Main Street Lending Program portfolio to maintain compliance with covenants.

Commercial & Industrial Lending Intern

Needham Bank
Needham, MA
10.2020 - 04.2021
  • Researched and updated over 225 customer accounts to ensure compliance with audit requirements and the SBA Paycheck Protection Program.
  • Acted as the primary contact for over 1,000 PPP clients, handling up to 100 inquiries daily regarding loan origination and forgiveness.
  • Collaborated directly with the SBA to resolve application issues, expediting funding and forgiveness processes for clients.

Education

Bachelor of Science (B.S.) - Finance

Providence College
Providence, RI
05.2020

Skills

  • Credit analysis
  • Credit and investment research
  • Credit ratings analysis
  • Financial analysis
  • Financial modeling
  • Investor communication
  • Market research
  • Stakeholder management

Certification

  • CFA Level I, 05/01/24
  • Fitch Credit Academy Certification
  • Securities Industry Essentials

Timeline

Fitch Ratings
01.2024 - Current

Analyst

Fitch Ratings
05.2022 - 12.2023

Associate Credit Analyst

Needham Bank
04.2021 - 04.2022

Commercial & Industrial Lending Intern

Needham Bank
10.2020 - 04.2021

Bachelor of Science (B.S.) - Finance

Providence College

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