Kendal Outwater
Charlotte,NC
Summary
Senior Analyst offering 4 years of experience managing customer relationships, predicting future credit risk behaviors, and adhering to banking regulatory procedures. Seeking an opportunity to bring further success to an organization through exemplary attention to detail and an in-depth understanding of financial analysis.
Overview
4
4
years of professional experience
Work History
Commercial Real Estate Credit Analyst, Officer
Citizens Financial Group Underwriting & Portfolio Management
Charlotte, NC
05.2020 - Current
- Leverages business expertise and industry knowledge to evaluate risk and make credit and loan structure recommendations based on extensive due diligence of collateral, sponsors, tenants, and market trends
- Personally responsible for all credit aspects of $211.4MM in loan proceeds (both construction and income-producing facilities) and assesses creditworthiness of existing and potential CRE borrowers by evaluating property level cash flow and identifies, investigates, and escalates credit concerns
- Pitched and oversaw the transfer of a $67.9MM loan portfolio to internal distressed asset division
- Defended credit decisions in multiple internal and OCC-led audits
- Initiated internal systems upgrades and Excel model upgrades to improve efficiency of analysis/preparing credit memos
- Trained and mentored multiple interns, credit analysts, and senior portfolio managers.
Commercial Banking Associate, Credit Analyst
Citizens Financial Group
Boston, MA
- Scope of role included all aspects of credit analysis of Asset Based Lending revolvers in Boston, MA and Commercial Real Estate in Charlotte, NC
- Formal credit rotational program that provided skills to support and begin a career in the commercial banking industry
- Monitored and maintained compliance with internal controls and government regulations.
- Established an in-depth knowledge of financial analysis, accounting, underwriting, and internal systems through rigorous training with the opportunity to rotate through different industries and business lines.
Oil and Gas Commercial Banking Associate, Credit Analyst
Citizens Financial Group
Houston, TX
- Controlled the receipt and accuracy of client reporting including financial statements, covenant compliance certificates, and collateral requirements
- Supported Oil & Gas Portfolio Managers, Credit Analysts, and Relationship Managers in new loan transaction underwriting and loan monitoring
- Pitched an Annual Review Credit Proposal Summary for a midstream company with a credit revolver of $25,000,000
- Participated in confidential lender calls with external syndicated and lead banks to aid financial analysis
- Completed a 10-week group digitization project resulting in a customized Salesforce platform focused on strengthening communication between clients and relationship managers.
Lead Equity Analyst in Real Estate, Consumer Staples, and Energy Sectors
Tennessee Valley Authority Investment Fund
Oxford, MS
08.2019 - 05.2021
- Team lead and member of collegiate investment fund overseeing $500,000 of equity allocation for the Tennessee Valley Authority, which generated 5.5% in portfolio alpha against the S&P 500 in 3 months
- Created and presented equity research reports based on financial statement analysis and quantitative/qualitative data to convince a majority vote for buying, selling, and holding securities.
Education
BBA - Finance
The University of Mississippi
BBA - Real Estate
The University of Mississippi
Minor - Spanish Language and Literature
The University of Alcalá
Skills
- CRE Loan Underwriting (Construction and Income-Producing across all property types)
- ABL Revolvers
- Portfolio Management
- Credit Analysis
- Microsoft Word and Excel
- CRMDashboard
- AFS
- Financial Analysis (Cash Flow, Debt Service, Net Operating Income)
- Construction Draw Approval
- Permanent Agency Take-Out Analysis
- Oral and Written Communications
- Risk Assessment
- Banking Regulations
Extracurricular Activities
- Board Member for internal BRG Rising Professionals Group focused on developing and connecting newer talent at VP level & below with senior leaders through coordination of networking events, speaker series, and Q&A sessions
- Selected for an outreach team dedicated to recruiting analysts from internal development programs
- Risk Management Association Member
References
References available upon request.
Timeline
Commercial Real Estate Credit Analyst, Officer
Citizens Financial Group Underwriting & Portfolio Management
05.2020 - Current
Lead Equity Analyst in Real Estate, Consumer Staples, and Energy Sectors
Tennessee Valley Authority Investment Fund
08.2019 - 05.2021
Commercial Banking Associate, Credit Analyst
Citizens Financial Group
Oil and Gas Commercial Banking Associate, Credit Analyst
Citizens Financial Group
BBA - Finance
The University of Mississippi
BBA - Real Estate
The University of Mississippi
Minor - Spanish Language and Literature
The University of Alcalá
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