Jonathan Steed
Tampa,FL
Summary
Results-driven financial analyst with expertise in financial analysis and risk assessment, improving reporting accuracy through the effective use of Microsoft Office and SAP. Proven track record of enhancing financial processes and ensuring compliance in roles such as Credit Analyst and Underwriter II. Strong analytical skills complemented by effective communication foster improved collaboration across departments. Aiming to leverage extensive experience to optimize financial operations further.
Overview
7
7
years of professional experience
Work History
Financial Reporting Analyst
Citi
Tampa, FL
01.2023 - 01.2024
- Supports the analysis and submission of reports to various constituencies (local regulators, SEC, OCC, etc.) based on requirements such as US GAAP, US Regulatory, and local statutory reporting
- Performs analysis of financial results and conclude cause of variances such as accounting issues and economic events
- Interprets policies, guidelines, and processes and resolve complex problems and transactions
- Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency
Credit Analyst
Johnson & Johnson
Tampa, FL
01.2022 - 01.2023
- Generates and analyzes complex month end and quarterly reports such as, intercompany, company specific write-offs, bad debt and reconciles as requested
- Audits general ledger accounts monthly and reviews exceptions to policy with senior analyst to ensure compliance and corrective action
- Performs financial statement analysis and assesses risk on applicants seeking credit
- Monitors portfolio performance/trends of moderate sized accounts and compares to industry benchmarks to ensure that accounts receivable goals are attained
- Participates in special projects as needed that improve cash application process, unapplied cash or general Accounts Receivable processes
Underwriter II
Loan Depot
Tampa, FL
01.2020 - 01.2022
- Underwrites conventional loans within company, investor, and industry guidelines per day with a standard turnaround time of 24 48 hours, maintaining current knowledge of loan programs
- Ensures the performance of all duties in accordance with the company’s policies and procedures, all U.S
- State and federal laws and regulations, wherein the company operates
- Reviews and makes informed decisions on financial statements, credit reports and applicable rations (i.e., DTI and LTV)
- Analyzes risk appropriately by assessing property information including purchase contracts, escrow instructions, and preliminary title report
Builder Loan Consultant
Loan Depot
Tampa, FL
01.2017 - 01.2020
- Communicates positively and professionally with operations staff throughout the process of the loan to ensure a smooth closing
- Engages in managing the loan pipeline with all team members to meet company efficiency standards
- Meets with borrowers to determine best loan program for individual needs after analyzing income, assets, credit, and property
- Reads and understands rate sheets, product codes, loan level price adjustments to calculate rates and fees
Education
Licensed Real Estate Sales Associate -
01.2024
Licensed Mortgage Loan Originator -
01.2016
Bachelor of Science - Finance
University of South Florida
Tampa, FL01.2001
Skills
- Windows Operating System
- Microsoft Office
- SAP
- MSP
- Lenderlive
- REAL EC
- E-Serve
- FSD DWS
- SDD
- Agent Desktop
- Mod Portal
- Info Source
- Closer
- Mello
- Empower
Accomplishments
- National Defense Service Medal, 1992
- Meritorious Unit Commendation, 1992
- Sea Service Deployment Ribbon, 1992
- Southwest Asia Service Medal, 1993
- Joint Meritorious Unit Award, 1993
- Good Conduct Medal, 1993
Militaryexperience
US NAVY, Philadelphia, PA, 01/01/90, 01/01/94, Honorably Discharged, Operation Desert Storm VFW
Timeline
Financial Reporting Analyst
Citi
01.2023 - 01.2024
Credit Analyst
Johnson & Johnson
01.2022 - 01.2023
Underwriter II
Loan Depot
01.2020 - 01.2022
Builder Loan Consultant
Loan Depot
01.2017 - 01.2020
Licensed Real Estate Sales Associate -
Licensed Mortgage Loan Originator -
Bachelor of Science - Finance
University of South Florida