Overview
Work History
Education
Skills
Certification
Timeline
Generic

JUSTIN M. SAINT

Kansas City,MO

Overview

6
6
years of professional experience
1
1
Certification

Work History

Credit Risk & Reporting Analyst

Silvergate Bank
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
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
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
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
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, MO
05.2017

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

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JUSTIN M. SAINT