Summary
Overview
Work History
Education
Skills
Awards
Volunteer Experience
Member of the Utica University Men's Basketball Team 2017-2022
Timeline
Generic

Kobe Lufkin

Glens Falls,NY

Summary

Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.

Overview

7
7
years of professional experience

Work History

Credit Analyst/Underwriter

Arrow Financial
01.2023 - Current
  • Communication with lenders/business development offers on potential deals
  • Financial cash flow analysis of balance sheets, income statements, profit and loss statements, debt schedules, amortization schedules, etc
  • Obtaining credit reports for potential customers
  • Analyzing personal credit reports and financial statements on small businesses and larger corporations
  • Maintaining 100% accuracy on spreading financials and meeting all required due dates on loans
  • Underwriting term loans, commercial real estate mortgages, lines of credit, letters of credit, line renewals, guidance lines, and renewals.
  • Placing orders for commercial/real estate appraisals with Financial Institution Complete Risk Aversion Solutions (FICRAS) for Small Business Lending Department
  • Maintaining proper risk assessment techniques in order to protect bank procedures.
  • Create reports for management, lenders, and customers as appropriate; work with colleagues and management to provide guidance, training, and support to reach goals as appropriate
  • Contribute to meetings with lenders, management, and customers as necessary
  • Review and approve small loans and renewals up to the appropriate lending authority.
  • Stay current with available loan funds and community partnerships to broaden ability to help customers meet financial needs
  • Maintain current knowledge of banking, lending, and credit industries, as well as appraisal regulations and requirements; assist management in creating processes/procedures to improve operational efficiencies while adhering to changes in regulations and appraisal requirements

Teller Representative

Arrow Financial (Glens Falls, Saratoga National Bank)
07.2022 - 12.2022
  • Teller Representative at Queensbury, NY branch location
  • Attended to 100+ clients daily with transactions and financial guidance/assistance
  • Managed ATM machine on a daily basis to ensure proper transactions for customers 24 hours a day
  • Offered financial advice and recommendations on bank rates and specific accounts available
  • 100% accuracy rate with no shortages/overages in personal cash drawer.
  • Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
  • Disbursed cash and checks accurately while maintaining security of cash drawers.
  • Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
  • Processed customer transactions promptly, minimizing wait times.
  • Promoted a welcoming atmosphere in the branch by greeting customers warmly upon arrival and addressing them by name when possible.
  • Assisted customers with account inquiries, resolving issues promptly and professionally.
  • Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
  • Managed high-volume transactions efficiently while maintaining attention to detail, ensuring accurate processing for customers.
  • Developed strong relationships with customers through exceptional service, fostering loyalty and trust.
  • Educated customers on use of banking website and mobile apps.

Athletics Assistant

Utica University
01.2017 - 01.2022
  • Employee for Men's/Women's sporting events
  • Monitored Gary M. Kunath Fitness Center usage maintaining clean organized environments conducive for optimal performance levels for all students.
  • Developed and monitored safety policies and procedures to facilitate safety of participants.

Education

Certification of Completion - Employee Development

Arrow Financial Corporation (Upskill University)
Glens Falls, NY
05.2024

MBA - Accounting And Finance

Utica University
Utica
05.2022

Bachelor of Science - Business Economics

Utica University
Utica, NY
05.2021

Skills

  • Proficient with Microsoft Word, Excel, PowerPoint, nCino Salesforce, Outlook, Microsoft Teams, WebEx, Kandice
  • Outstanding analytical and problem-solving skills; ability to understand and interpret business financial documents
  • Ability to work efficiently in fast-paced environments and prioritize work to meet strict deadlines
  • Solid communication skills, both written and verbal; ability to interact with management and commercial lenders to provide quality service to customers
  • Research/Writing/Statistical Research skills
  • Risk Assessment
  • Credit analysis
  • Financial statement analysis
  • Credit risk
  • Credit decisions
  • Verbal and written communication
  • Credit Reporting
  • Financial statements expertise

Awards

Multiple Dean's List Honors

Volunteer Experience

  • Volunteer for American Heart Association
  • Volunteer for youth Basketball & Baseball Clinics
  • Volunteer Umpire for Youth Little League baseball


Member of the Utica University Men's Basketball Team 2017-2022

5-year member of the Men's Basketball and appointed captain of the team my final two years.

Timeline

Credit Analyst/Underwriter

Arrow Financial
01.2023 - Current

Teller Representative

Arrow Financial (Glens Falls, Saratoga National Bank)
07.2022 - 12.2022

Athletics Assistant

Utica University
01.2017 - 01.2022

Certification of Completion - Employee Development

Arrow Financial Corporation (Upskill University)

MBA - Accounting And Finance

Utica University

Bachelor of Science - Business Economics

Utica University

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Kobe Lufkin