Melvin Agustin
San Diego,CA
Summary
Entered, updated, and retrieved data for credit applications. Determined credit worthiness of applicants using Equifax and Experian reports. Performed cash flow analysis of businesses to determine loan affordability. Using a variety of resources, verified client business information, including: business name, place of business, time in business, ownership, etc. Ensured all approved applications were in compliance with company and lender guidelines. Responded to inquiries from sales, funding, documentation brokers and lenders. Other duties as assigned. Authorized to work in the US for any employer
Overview
6
6
years of professional experience
Work History
Senior Credit Analyst
Select Funding
08.2021 - 06.2024
- 150k signing authority to issue approvals that meet lender guidelines and criteria
- Second reviewer of other analysts deals
- Assess credit worthiness of existing or prospective clients
- Examine financial transactions and credit history case by case
- (Application, Bank Statements, Equifax, Dun & Bradstreet, Paynet, CLEAR, etc) Complete ratio trend and cash flows, analysis, and create projections
- Deliver a multi dimensional prospective on the investment outlook in an accessible and informative manner
- Determine in depth the degree of risk involved
- Carefully analyze data and produce clear and objective reports
- Routinely monitor loans for compliance
- Adhere to credit policy and guidelines
- Monitor corporate portfolio asset quality on an ongoing basis
- Draft models of credit information that predict trends and patterns.
Credit Analyst III
National Funding
03.2018 - 04.2020
- Performed cash flow analysis to determine loan affordability by reviewing a minimum of 3 months of bank statements per deal
- Reviewed Equifax credit reports to determine credit worthiness
- Underwrote approvals for up to 250k without second review from supervisor
- Filed reports for fraudulent bank statements when found while reviewing deals
- Used a variety of resources to verify client business information
- (BBB, Google, Social Websites, Google Maps) Contacted clients as directed when bank verification was necessary
- Reviewed applications and verified information was accurate and updated
- Used Salesforce to review an average of a minimum 12 deals per day.
Skills
- Financial Analysis (5 years)
- Credit analysis (5 years)
- Account Reconciliation (5 years)
- Cash Flow Analysis (5 years)
- Microsoft Excel (5 years)
- Time management (5 years)
- Google Suite (5 years)
- Microsoft Office (5 years)
- Salesforce (2 years)
- Typing (5 years)
- Underwriting (5 years)
- Computer literacy (5 years)
- Communication skills (5 years)
- Relationship management
- Analysis skills (5 years)
- Lending (5 years)
- English
- Phone etiquette
- Cash register
- Account management
- Customer relationship management
- Marketing
- CRM software
- Customer support
- Office experience
Timeline
Senior Credit Analyst
Select Funding
08.2021 - 06.2024
Credit Analyst III
National Funding
03.2018 - 04.2020
Similar Profiles
Manjit SinghManjit Singh
Senior Litigation Paralegal at Pearl Capital Business Funding Funding LLCSenior Litigation Paralegal at Pearl Capital Business Funding Funding LLC
Brian DuffyBrian Duffy
General Manager at SELECT ROOFING/SELECT ACCESS SAFETY SYSTEMSGeneral Manager at SELECT ROOFING/SELECT ACCESS SAFETY SYSTEMS
Lakshmi Vysakh MenonLakshmi Vysakh Menon
Human Resources Manager (HRBP) at Select Infrastructure Private Limited (Nexus Select Trust)Human Resources Manager (HRBP) at Select Infrastructure Private Limited (Nexus Select Trust)
Harish BethapudiHarish Bethapudi
Data Engineer / MDM Specialist at PeratonData Engineer / MDM Specialist at Peraton
Nobert OromaNobert Oroma
Operations Assistant at Uptown Community ServiceOperations Assistant at Uptown Community Service