Malton Lightfoot-Taylor
3933 Broadheath Cir Burtonsville,MD
Summary
Highly motivated and goal-driven Financial Analyst with 4 years of collecting, monitoring and studying data to analyze financial status and recommend business strategy and backed by 12 plus years of experienced in implementing and interpreting financial concepts, in qualitative and quantitative analysis, financial management and forecasting. Extremely resourceful and tech-savvy in use of spreadsheets, accounting and financial management software.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Financial Analyst, Portfolio Management & Loan Mon
U.S. Department Of The Treasury; CDFI
09.2019 - Current
- Monitors and analyzes loan portfolios of 27 unique Community Development Financial Institutions (CDFIs) within the Bond Guarantee program (BGP).
- Analyzes more than 400 secondary pledged loans and more than 1000 tertiary loans through a series of reports from the CDFIs.
- Selected to assist in the new Economic Recovery Program (ERP), as an internal reviewer. evaluated more than 20 loan applications determining if minimum criteria were met as well as determining the applicant's award amount.
- Selected to assist in a SOP project with compliance team in efforts to standardize and simplify the operation of the CDFI overall business.
- Generated a cash flow model chart for the Credit Risk Management lead during the COVID-19 pandemic, to analyze those borrowers affected by the pandemic to forecast the probability of the borrower making loan payments.
- Created ‘COVID Relief Secondary Loan Data’ chart for CDFI team during COVID-19 Pandemic, which included various metrics used to track all borrowers who had requested deferments in any capacity.
- Coordinated 8 training sessions with a new data analyst.
- Created a comprehensive training manual for new data analyst to better aid in transition in new role.
- Collects data and develops detailed spreadsheets for other divisions / units to assist them in identifying trends and create revenue, profitability, and expense forecasts.
- Conducts detailed financial analysis to identify and evaluate changes in operations, trends and potential areas of improvement in overall portfolio.
- Verifies quality of deliverables and conformance to specifications before submitting to upper management.
- Report regularly to managers on portfolio issues, progress and technical problems.
- Manages more than 5 comprehensive reports on portfolio performance and risk assessment.
- Created and maintained precise and accurate models, charts and reports.
- Uses relevant financial technology to generate reports and recommended courses of action to upper management.
- Assisted in preparation of presentations, data tables and other documents for the Credit Risk Board meetings.
Branch Manager
Sky Point Federal Credit Union
05.2014 - 09.2019
- Aided in CDFI research, guidelines, and procedures for credit union to become CDFI certified
- Trained over 20 employees on NCUA compliance and following proper policies and procedures
- Met and surpassed sales and lending metrics goals of newly established location by 50%
- Submitted 500 loan applications to underwriters for verification and recommendation.
- Reviewed and finalized Loan applications after final approval from underwriters.
- Discussed and confirmed with senior loan specialist on the eligibility of collateral being offered by credit union members.
- Audited and reviewed loan documents finalized by staff members to maintain proper procedures are being followed.
- Forecasted trends such as loan approvals and denials and recommended improvements based on analyses to upper management.
- Presented financial data and created spreadsheets to executives and members of the board.
- Collaborated and discussed with executives on community development and growth strategies for the sustainability and success of the new credit union location.
- Review and provided recommendations of contracts and awards to credit union executives.
- Conducted extensive due diligence for new potential vendors, partners and business clients as well as maintaining great relations with current affiliates.
- Maintained friendly and professional customer interactions.
- Assessed employee performance and developed comprehensive improvement plans.
- Met deadlines and sales goals by proactively managing individual and team tasks and streamlining processes.
- Engaged employees in day to day business processes with positive motivational techniques.
- Complied with NCUA regulatory guidelines and requirements.
Branch Support Representative /Head Teller
Pentagon Federal Credit Union
04.2013 - 05.2014
- Maintained friendly and professional customer interactions.
- Assisted customers with banking needs and inquiries.
- Participated over 10 various government and military based events creating new business relationship.
- Counted, verified and handled bank deposits and armored car transactions.
- Educated customers on online banking and mobile banking applications.
- Trained 3 new hires on customer service policies and procedures.
- Cross-sold credit cards, loans and other bank products increasing bank revenue by 1%
- Processed applications for over 100 new accounts.
- Executed wire transfers, stop payments and account transfers.
- Monitored and verified suspicious activity on customer accounts.
- Received mortgage, loan or public utility bill payments, verifying payment dates and amounts due.
- Received loan and utility payments, sending funds to correct destinations.
Manager Trainee /Unit Field Trainer
Banker's Life And Casuality
06.2012 - 10.2012
- Reviewed and manage over 30 client financial portfolios and retirement plans.
- Evaluated success of training programs and recommended improvements to upper management to enhance effectiveness.
- Provided needs based solutions depending on the suitability of the client created a personal client/agent relationship that exceeds all expectations.
- Prepared solicitation packages and issued written packages to prospects.
- Created a personal client/agent relationship that exceeds all expectations.
- Trained 3 staff during demonstrations, meetings, conferences, and workshops.
- Conducted orientation sessions and organized on-the-job training for new hires.
- Communicated all learning and performance objectives, schedules, and training assessments to upper management.
- Analyzed effectiveness of training programs at all levels and recommended updates.
Branch Operations Manager
MCT Federal Credit Union
07.2009 - 06.2012
- Prepared program operating budgets, budget reports and other financial performance reports.
- Analyzed cash usage data for branch to accurately place future orders.
- Assisted business development team and business operations team with various tasks including providing subject expertise on finance and contractual matters
- Maintained friendly and professional customer interactions.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Restructured company expenses by changing supply vendors and implementing strategies to increase the credit unions bottom line.
- Performed monthly compliance checks.
- Assessed employee performance and developed improvement plans.
- Set up and supervised cash shipments.
- Completed daily Bank Secrecy Act reports.
- Cooperated with 2 teams to devise efficient marketing strategies and meet company objectives.
- Examined customer loan applications for loan approvals and denials.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
Education
Bachelor of Science - Natural Sciences
Bowie State University
Bowie, MD05.2007
Skills
- Account Reconciliation
- Preparing Models
- Research Abilities
- Expense and Revenue Analysis
- Financial Management
- Data Research and Analysis
- Monitoring Expenditures
- MS Office Suite
- Advanced Computer Skills
- Analyzing Performance
- Financial and Operational Reporting
- Flexible Team Player
- Compiling Data
- Due Diligence
- Excellent Attention to Detail
Accomplishments
- Received a merritt award for achieving overall Exceeded rating on very first performance evaluation as tenure a financial analyst.
- Received certificate of completion for evaluating Organizational Capacity to Manage Federal Awards
- Created training guide for new data analyst which included data upload processes and procedures.
- Used Microsoft Excel to develop various data metrics in order to track and understand the impact of the COVID-19 pandemic on overall program and its borrowers.
- Received Board Member Recognition Award from Montgomery County EFCU
- Supervised and mentored 5 or more staff members for managerial positions.
- Increased organizations revenue by 3% with fact finding and thorough review of clients financials
Affiliations
- Phi Sigma Honor Society
Certification
- Evaluating Organizational Capacity to Manage Federal AwardsTraining - 2020
Youth Leader / Volunteer at Colesville United Methodist Church
Assists youth pastor with coordinating trips and events and any other task as needed for the youth group of the church.
Timeline
Financial Analyst, Portfolio Management & Loan Mon
U.S. Department Of The Treasury; CDFI
09.2019 - Current
Branch Manager
Sky Point Federal Credit Union
05.2014 - 09.2019
Branch Support Representative /Head Teller
Pentagon Federal Credit Union
04.2013 - 05.2014
Manager Trainee /Unit Field Trainer
Banker's Life And Casuality
06.2012 - 10.2012
Branch Operations Manager
MCT Federal Credit Union
07.2009 - 06.2012
Bachelor of Science - Natural Sciences
Bowie State University
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