Melissa Springer
Alto,MI
Summary
Over 10+ years' experience in finance related roles across multiple industries. Proficient in Microsoft Office - Intermediate level Excel skills i.e. VLOOKUPs, Pivot tables, Index matches, Charts & Graphs, etc. Experience working closely with Sales, Senior Management and internal & external customers.
Overview
12
12
years of professional experience
Work History
Senior Credit Analyst / Credit Analyst
West Michigan Community Bank
Grand Rapids, MI
02.2019 - Current
- Promoted to Senior Credit Analyst in November 2021.
- Develops credits, in the form of a loan write up, for use by lending officers and/or committees in the making of lending decisions on new, renewal, and extension loans for CRE, C&I and agricultural related customers
- Supporting the Bank's lending activities by providing insightful and timely credit analysis of prospective and current borrowers, including interpretation of financial statements, collateral and cash flows
- Spreading and analyzing financial statements utilizing spreading software
- Preparing and interpreting spreads of financial statements for our small/mid-market commercial customers
- Reviews all pertinent credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches, and determines the need for more thorough investigation or additional information
- Watches for any developing problems and keeps loan officers informed
- Interacting with commercial bankers, loan officers, credit manager, other lending support staff, customers, accountants, and appraisers
- Performs analysis for presentations, including the use of stress testing, financial covenants, cash flow and more detailed analysis
- Prepares and maintains control of workflow and all commercial presentations, including final approvals
- Miscellaneous reports and investigations: preparing board reports, audits, problem resolution
- Follows federal regulations and related internal procedures
- Performed in-depth investigations of detected discrepancies in provided credit histories to discern error or fraud
- Mentor new credit analysts as the opportunities arise.
Production Team Member
General Motors
Wyoming, MI
06.2018 - 02.2019
- Performed a variety of duties, including bench, floor, or conveyor assembly work involving standardized work elements
- Used computerized equipment and engaged in activities such as machine resets and quality checks
- Performed predictive, preventive, and reactive maintenance activities on all equipment in assigned work area
- Completed tasks within designated timeframes to meet production standards.
Financial Analyst
Corewell Health
Grand Rapids, MI
05.2016 - 05.2018
- Responsible for monthly financial performance data packages for our regional offices
- Prepared monthly journal entries for reimbursement of foundation related expenses
- Responsible for monthly financial statements for the Guilds that operated gift shops and cafes within the hospitals
- Reconciled donations in the CRM system to the Foundation's bank statement
- Responsible for charitable gift annuity payments and filing 1099 forms
- Provided documentation and research for internal audit requests.
Financial Analyst
Spectrum Reach
Charlotte, NC
05.2015 - 04.2016
- Assisted in monthly sales commission process including the preparation of individual statements for commission based employees
- Assisted in the management of headcount and compensation analysis
- Generated weekly sales reporting that tracked Sales Associates performance to budget
- Generated monthly P&L review, analysis and fluctuation explanation to management in regards to revenue and expenses relevant to our business
- Worked closely with General Managers regarding performance and commissions of their sales teams
- Assisted with Budget Planning in relation to commission based employees
- Ad hoc reporting as requested.
Accounts Receivable Specialist
Spectrum Reach
Charlotte, NC
01.2013 - 05.2015
- Ensured appropriate handling of client payments
- Maintained payment ledger
- Performed daily, mid-month, and month-end reconciliations/close
- Audited payment allocation history
- Performed aging review and resolution for open/outstanding invoices
- Promoted efficiencies that targeted business goals
- Processed revenue adjustment and refund requests
- Worked closely with Sales Associates to ensure client payments were applied appropriately to ensure no chargebacks on commissions.
Education
Bachelor Of Business Administration - Finance
Baker College
Flint, MI09.2010
Skills
- Accounts Receivable
- Account Reconciliation
- Financial Analysis
- Credit Underwriting
- Oral and written communications
- Cash Flow analysis
- Financial statement review
- Credit analysis
- Proficient in Microsoft Office
- Risk Assessment
- Excellent Communication
- Teamwork and Collaboration
- Time management abilities
- Analytical Thinking
- Adaptability and Flexibility
Timeline
Senior Credit Analyst / Credit Analyst
West Michigan Community Bank
02.2019 - Current
Production Team Member
General Motors
06.2018 - 02.2019
Financial Analyst
Corewell Health
05.2016 - 05.2018
Financial Analyst
Spectrum Reach
05.2015 - 04.2016
Accounts Receivable Specialist
Spectrum Reach
01.2013 - 05.2015
Bachelor Of Business Administration - Finance
Baker College