JUSTIN M. SAINT
Kansas City,MO
Overview
6
6
years of professional experience
1
1
Certification
Work History
Credit Risk & Reporting Analyst
Silvergate Bank
Remote
05.2022 - Current
- Created utilization rate model using Bitcoin price/interest rate data to assess trends in portfolio
- Maintained Loan-to-Value confidence level/volatility model used in BTC loan underwriting process
- Performed data analytics and developed Key Performance Indicators for $2 billion loan portfolio
- Executed daily collateral monitoring and collateral returns/margin calls for BTC loan customers
- Submitted month-end and quarter-end Accounting reports for the Credit Risk department
Commercial Real Estate Credit Analyst
First National Bank
Centennial, CO
08.2020 - 05.2022
- Used 3 statement modeling to execute global analyses for new and existing borrowers
- Calculated adjusted EBITDA, DSCR, and relevant metrics for presentation at loan committee
- Assisted loan officers with new deal structure, risk rating changes, and market research
- Used Excel and real estate investment software to project cash flow and value property/business
Equity Compensation Research Associate
Glass Lewis
Kansas City, MO
11.2019 - 07.2020
- Executed research on public company equity compensation plans for institutional investors
- Used proprietary Excel-based model to analyze company stock incentive plan proposals
- Made shareholder voting recommendations based on DEF14A and 10K company data
Investor Services Representative
TD Ameritrade
Omaha, NE
12.2018 - 06.2019
- Completed broker trainee program (Series 7, 63 licensing)
- Brokered retail trades on TD ThinkorSwim terminal (alternative to Bloomberg)
- Maintained customer satisfaction index of 90+% - Introduced investing concepts to 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 TA
- Tutored, lectured, and lead activities for small groups of 5-10
- Lead City Year Kansas City data analysis meetings on a monthly basis
- Lead Northeast High School social-emotional learning initiatives as Behavior Coordinator
Education
Master’s of Data Analytics -
Bachelor of Arts - Economics
Rockhurst University
Kansas City, MO05.2017
Skills
- Financial Statements
- Risk Modeling
- Credit Analysis
- Credit Risk Management
- Advanced Excel
- Underwriting
- Financial Reporting
Certification
Financial Statements
- Credit Risk Management
- Advanced Excel
- SQL
- Risk Modeling
- Underwriting
- Data Analysis
- Enterprise Resource Planning
Timeline
Credit Risk & Reporting Analyst
Silvergate Bank
05.2022 - Current
Commercial Real Estate Credit Analyst
First National Bank
08.2020 - 05.2022
Equity Compensation Research Associate
Glass Lewis
11.2019 - 07.2020
Investor Services Representative
TD Ameritrade
12.2018 - 06.2019
Americorps Teacher
City Year
07.2017 - 05.2018
Master’s of Data Analytics -
Bachelor of Arts - Economics
Rockhurst University
Financial Statements
- Credit Risk Management
- Advanced Excel
- SQL
- Risk Modeling
- Underwriting
- Data Analysis
- Enterprise Resource Planning