Mackenzie Dappen
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Commercial Credit & Risk Analyst II
Commerce Bank
07.2023 - Current
- Prepare and present detailed credit reviews to management and executive loan committees summarizing strengths and weaknesses of select credits and render appropriate recommendations.
- Manage quarterly review of new and existing third-party fraud tools.
- Monitor fraudulent activity, tracking and evaluating data to better understand fraud patterns and predict future fraudulent activity.
- Create credit policies, processes and procedures to maintain compliance with banking regulations.
- Recognized across organization for diligence, accuracy and contributions toward maintaining 0% fraudulent application approval.
Commercial Credit & Risk Analyst I
Commerce Bank
05.2022 - 07.2023
- Responsible for underwriting commercial and merchant credit facilities of up to $5,000,000.
- Investigated and evaluated customers by interpreting and analyzing credit reports, financial statements and tax returns to assess creditworthiness and potential risk factors.
- Utilized third party resources such as D&B, Equifax, Moody’s, S&P, IBIS World, and LexisNexis to evaluate risk on new accounts and existing portfolio.
Underwriting Specialist
RTS Financial
07.2020 - 05.2022
- Conducted thorough risk analysis and due diligence review of prospective clients within the transportation industry.
- Analyzed complex corporate documents, background reports, and credit information to ensure compliance with company policy and industry best practices.
- Performed in-depth legal reviews to mitigate company risk associated with UCC filings, judgments, liens, and tax obligations.
- Designed and implemented improved training program and performance review process for new team members.
- Worked closely with sales and operations teams to increase transparency and understanding around functions and processes of underwriting team.
Financial Account Representative
RTS Financial
07.2018 - 07.2020
- Responsible for managing assigned portfolio of clients, including receiving, auditing and processing freight invoices and related documentation per procedural and contractual requirements.
- Selected to join ‘High-Risk Team’, managing companies most volatile clients and complex accounts.
Education
BBA - Marketing | Accounting, Internal Auditing
Pittsburg State University
05.2018
Skills
- Critical Thinking
- Data Interpretation
- Investigative Research and Analysis
- Fraud Detection and Prevention
- Risk Assessment and Management
- Collaboration
Certification
Certified Fraud Examiner (CFE) - September 2023
Timeline
Commercial Credit & Risk Analyst II
Commerce Bank
07.2023 - Current
Commercial Credit & Risk Analyst I
Commerce Bank
05.2022 - 07.2023
Underwriting Specialist
RTS Financial
07.2020 - 05.2022
Financial Account Representative
RTS Financial
07.2018 - 07.2020
BBA - Marketing | Accounting, Internal Auditing
Pittsburg State University
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