Justin Reynolds
Credit Analyst II
Canton,MI
Summary
Experienced with financial analysis and credit risk assessment, focusing on evaluating borrower creditworthiness. Utilizes advanced analytical skills to interpret complex financial data and provide actionable insights. Track record of effective collaboration and communication with cross-functional teams to achieve organizational objectives. Strong background in foreign exchange markets, macroeconomic analysis, and portfolio-impact assessment.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Credit Analyst II
TD Bank NA
10.2024 - Current
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Improved understanding of financial statements, which helped in assessing risk.
- Played pivotal role in negotiating terms with distressed accounts, recovering substantial amounts and preventing losses.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
Pet Sitter
Zen Paws Pet Sitting
06.2022 - Current
- Maintained detailed records of each visit, including tasks completed, medications administered, food and water intake.
- Followed safety protocols for handling animals in accordance with company policies and local regulations.
- Built trust with clients by consistently demonstrating reliability, punctuality, and attention to detail in all aspects of pet care provision.
- Developed strong relationships with clients, leading to repeat business and recommendations from satisfied customers.
- Streamlined communication with pet owners through mobile app, making it easier to share updates and receive instructions.
Market Analyst
FOREX.com
01.2020 - 10.2024
- Monitored and analyzed foreign exchange markets to identify trading opportunities.
- Utilized advanced quantitative tools such as the Fibonacci simulation to analyze potential outcomes from a variety of scenarios in order to optimize trading decisions.
- Analyzed macroeconomic data such as interest rates, inflation, government policy and political stability to forecast currency movements.
- Conducted technical analysis of price trends to determine entry and exit points for trades.
- Maintained records of all executed transactions to ensure compliance with internal policies and external regulations.
- Researched emerging markets for potential investment opportunities.
- Performed technical analysis to determine future financial performance.
Sorting Associate
Brugola OEB USA Industriale Inc.
06.2021 - 08.2021
- Reduced errors in the sorting process by conducting thorough quality checks and providing regular feedback to team members.
- Monitored quantity of stock on hand and checked for accuracy against records.
- Maintained organized workspaces, ensuring easy access to necessary tools and materials for efficient task completion.
- Ensured quality standards were met when sorting products into categories or sections.
Desk Assistant (Ghafari Hall)
Wayne State University
08.2018 - 04.2021
- Greeted guests in with friendliness and professionalism.
- Answered multi-line phone system, routing calls, delivering messages to staff and greeting visitors.
- Maintained accurate records with diligent data entry, ensuring information was up-to-date and easily accessible.
- Developed positive relationships with clients through excellent interpersonal skills during phone conversations or face-to-face interactions.
- Assisted clients with daily living needs to maintain self-esteem and general wellness.
- Followed detailed directions from management to complete daily paperwork and computer data entry.
Real Estate Agent
Real Estate One - Plymouth Office
12.2019 - 09.2020
- Conducted property inspections to ensure compliance with applicable regulations and standards.
- Assisted in the preparation of documents such as representation contracts, purchase agreements, closing statements, deeds and leases.
- Researched current listings available in the area using multiple online resources.
- Created detailed property descriptions for use in marketing material.
- Maintained updated knowledge of local real estate markets.
- Prepared comparative market analysis to estimate properties' value.
- Performed administrative duties such as preparing paperwork for listing presentations, tracking sales data and updating internal databases.
Education
Bachelor of Science - Finance
Wayne State University
Detroit, MIHigh School Diploma -
Plymouth High School
Plymouth, MISkills
Credit analysis
Microsoft Excel proficiency
Underwriting
Risk assessment
Investment analysis
Market research
Attention to detail
Self motivation
Goal setting
Professionalism
Analytical thinking
Teamwork and collaboration
Certification
Previously licensed Real Estate Agent, with Real Estate One in Plymouth.
References
References available upon request.
Timeline
Credit Analyst II
TD Bank NA
10.2024 - Current
Pet Sitter
Zen Paws Pet Sitting
06.2022 - Current
Sorting Associate
Brugola OEB USA Industriale Inc.
06.2021 - 08.2021
Market Analyst
FOREX.com
01.2020 - 10.2024
Real Estate Agent
Real Estate One - Plymouth Office
12.2019 - 09.2020
Desk Assistant (Ghafari Hall)
Wayne State University
08.2018 - 04.2021
High School Diploma -
Plymouth High School
Bachelor of Science - Finance
Wayne State University