Summary
Overview
Work History
Education
Skills
Timeline
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JUSTIN M. SAINT

San Diego,CA

Summary

CFA Level 2 candidate seeking opportunities in credit risk analytics and macroeconomic research. Proven risk analyst and underwriter with a broad finance background and unique technical skill set.

Overview

7
7
years of professional experience

Work History

Senior Credit Analyst

Mulligan Funding
San Diego, CA
08.2023 - Current
  • Review and analyze financial statements to assess creditworthiness of $5-50M revenue small businesses across every industry
  • Lead underwriters in funding amount, deals closed, and write-off percentage each of the last three months
  • Developing key performance indicators and a credit risk model for our nascent credit risk department
  • Conduct underwriting calls with CEOs and CFOs to understand business models, idiosyncratic risk, and industry risk

Credit Risk & Reporting Analyst

Silvergate Bank
San Diego, CA
05.2022 - 05.2023
  • Delivered monthly Chief Credit Officer report using complex Excel formulas to measure changes in the portfolio
  • Maintained loan-to-value volatility risk model and utilization rate model used in BTC loan underwriting process
  • Performed data analytics and developed key performance indicators for $2 billion Bitcoin loan portfolio
  • Provided special reporting and projects as requested for internal and external audits
  • Completed month-end accounting closes and quarter-end SEC disclosure reports for the whole CRE/SFR/Bitcoin loan portfolio
  • Assisted Accounting with transition from Fair Value to CECL

Credit Analyst

First National Bank
Centennial, CO
08.2020 - 05.2022
  • Used 3 statement modeling to execute global cash flow analysis for new and existing CRE/C&I borrowers
  • Analyzed and reconciled financial statements and offering memoranda for multifamily, office, retail, and new builds
  • Examined personal and business credit reports to create credit risk profile
  • Calculated financial ratios and projected cash flow to form loan committee recommendations

Equity Compensation Research Associate

Glass Lewis
Kansas City, MO
12.2019 - 07.2020
  • Executed research on public company equity compensation plans for institutional investors.
  • Used a proprietary Excel-based model to analyze company stock incentive plan proposals.
  • Made shareholder voting recommendations based on DEF14A and 10-K company data.

Investor Services Representative

TD Ameritrade
Omaha, NE
08.2018 - 10.2019
  • Completed broker trainee program (Series 7, 63 licensing)
  • Brokered retail trades on TD ThinkorSwim terminal and maintained documentation of workflow in Salesforce
  • Introduced investing concepts to retail clients and provided leads to TD Financial Consultants

Americorps Teacher

City Year
Kansas City, MO
07.2017 - 05.2018
  • Served at Northeast High School as 9th-grade World History Teaching Assistant
  • Tutored, lectured, and led activities for small groups of 5-10
  • Lead initiatives for a group of 35 students as Northeast High School Behavior Coordinator

Education

Bachelor of Arts - Economics

Rockhurst University
Kansas City, MO
05-2017

Skills

  • Financial Analysis
  • GAAP Accounting Principles
  • Credit Analysis
  • Advanced Excel
  • CRE/C&I Underwriting
  • Salesforce
  • Risk Modeling
  • SQL

Timeline

Senior Credit Analyst

Mulligan Funding
08.2023 - Current

Credit Risk & Reporting Analyst

Silvergate Bank
05.2022 - 05.2023

Credit Analyst

First National Bank
08.2020 - 05.2022

Equity Compensation Research Associate

Glass Lewis
12.2019 - 07.2020

Investor Services Representative

TD Ameritrade
08.2018 - 10.2019

Americorps Teacher

City Year
07.2017 - 05.2018

Bachelor of Arts - Economics

Rockhurst University

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JUSTIN M. SAINT