Mark Wilson
Winchester,OR
Summary
Talented Credit Analyst with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
17
17
years of professional experience
Work History
Credit Analyst II
First Interstate Bank
07.2022 - 12.2023
- Completed credit recommendations for various loan types and sizes including commercial real estate balloon notes, equipment term loans, and lines of credit
- Analyzed personal & business financial data, collateral, industry, and local markets related to new loan request and renewals for existing clients
- Applied loan policy & procedures to create credit recommendation
- Monitored existing portfolios for compliance with business loan agreements including; covenant compliance, annual loan reviews and monitoring collateral levels to set available credit limits on asset based lines of credit
- Pulled business & personal credit reports, business registry and state UCC fillings
- Reviewed appraisals for property analysis ensuring compliance with bank policy
- Conducted industry analysis as part of credit recommendation
- Worked with loan officers to gather addition customer information as needed to complete accurate credit recommendation
- Assisted credit administrators in fine tuning credit recommendation report in order to obtain final loan approval
- Worked independently and managed workflow based on priority
- Participated in bank sponsored volunteer and fund raising campaigns in local community.
Sr. Credit Analyst
Oregon Pacific Banking Company
08.2019 - 07.2022
- Completed credit recommendations for various loan types and sizes including commercial real estate balloon notes, equipment term loans, and lines of credit
- Analyzed personal & business financial data, collateral, industry, and local markets related to new loan request and renewals for existing clients
- Applied loan policy & procedures to create credit recommendation
- Monitored existing portfolios for compliance with business loan agreements including; covenant compliance, annual loan reviews and monitoring collateral levels to set available credit limits on asset based lines of credit
- Pulled business & personal credit reports, business registry and state UCC fillings
- Reviewed appraisals for property analysis ensuring compliance with bank policy
- Conducted industry analysis as part of credit recommendation
- Worked with loan officers to gather addition customer information as needed to complete accurate credit recommendation
- Assisted credit administrators in fine tuning credit recommendation report in order to obtain final loan approval
- Worked independently and managed workflow based on priority
- Contacted clients to discuss lending needs, obtain required financials and addressed any problems that were identified during initial review
- Participated in bank sponsored volunteer and fund raising campaigns in local community
- Joined initial company DEI team to set standards for overall interaction with employees and clients.
Consumer Loan Underwriter
Umpqua Bank
06.2014 - 07.2019
- Analyzed financial data to ensure proper cashflow to support loan request
- Applied bank guidelines and policy in decision process
- Ensured requests secured by personal residences met government reporting requirements
- Worked independently and manage workflow based on priority
- Assisted with tracking approval ratios and loan turn time to identify potential process improvements
- Lending limits $500,000 secured, $100,000 unsecured.
Small Business Loan Underwriter
Umpqua Bank
08.2009 - 06.2014
- Approved or declined loan request based on bank policy and procedures, used scoring platform to set loan pricing based on product type
- Customized loan requests based on purpose, collateral value, credit worthiness and ability to repay
- Reviewed business plan and budget to identify potential repayment issues
- Worked with troubled borrowers on maturity notes to find repayment solutions that were acceptable to both bank and borrower
- Lending limits $250,000 secured, $50,000 unsecured.
- Reduced delinquency rates through meticulous evaluation of borrower creditworthiness and adherence to underwriting guidelines.
Credit Analyst I
Umpqua Bank
03.2007 - 08.2009
- Independently managed training requirements and workflow
- Monitored loan portfolios to ensure conformity with business loan terms.
Education
Bachelor of Business Administration - Accounting And Finance
University of Iowa
Iowa City, Iowa12.2006
Associate of Arts -
Kirkwood Community College
Iowa City, Iowa05.2004
Skills
- Credit analysis
- Underwriting Software
- Debt-to-Income Calculation
- Cash Flow analysis
- Financial statement analysis
- Customer Service
- Analytical and Critical Thinking
- Regulatory Compliance
Military Service
- Iowa Army National Guard, 12/01/99, 12/01/01, Medical Supply Specialist, Iowa City, IA
- United States Army, 04/01/93, 10/01/98, Team Leader, Ft. Lewis, WA
- United States Army, 04/01/93, 10/01/98, Unit Arms Room Manager, Ft. Riley, KS
- United States Army, 04/01/93, 10/01/98, Bulldozer Operator, Schweinfurt, Germany
Timeline
Credit Analyst II
First Interstate Bank
07.2022 - 12.2023
Sr. Credit Analyst
Oregon Pacific Banking Company
08.2019 - 07.2022
Consumer Loan Underwriter
Umpqua Bank
06.2014 - 07.2019
Small Business Loan Underwriter
Umpqua Bank
08.2009 - 06.2014
Credit Analyst I
Umpqua Bank
03.2007 - 08.2009
Bachelor of Business Administration - Accounting And Finance
University of Iowa
Associate of Arts -
Kirkwood Community College