Summary
Overview
Work History
Education
Skills
Timeline
Generic

Michal Chmielowiec

Union

Summary

Loan Analyst with expertise in evaluating credit data and financial statements for loan approvals and denials. Skilled in interpreting complex financial information and identifying profitability risks. Demonstrated success in enhancing loan policies and procedures while fostering team collaboration.

Overview

6
6
years of professional experience

Work History

Loan Analyst II

Wintrust Life Finance
Newark
03.2023 - Current
  • Increased client business through identifying and leveraging cross-selling opportunities in lending and deposits.
  • Used Excel to compile financial modeling on loan portfolio.
  • Analyzed future loan performance by evaluating collateral figures and market conditions, and overall loan risk.
  • Managed risk and mitigated potential loan defaults using internal and external data analysis.
  • Ensured loans remained fully collateralized through meticulous account analysis.
  • Utilized internal CRM and risk management software to assess portfolio performance.

Loan Analyst I

Wintrust Life Finance
Newark
03.2023 - Current
  • Underwrote and processed life premium finance loans exceeding $10 million for high-networth individuals with an average turnaround of 10 days.
  • Conducted in-depth financial analyses, including policy performance reviews, credit assessments, and collateral evaluations.
  • Oversaw documentation and ongoing monitoring of assets and client portfolios.
  • Managed all phases of loan processing, including exposure model generation, legal document preparation, funding, and collateral management.
  • Compiled credit recommendation summaries by analyzing tax returns, financial statements, brokerage accounts, and credit reports.

Collateral Analyst

Asset Based Lending
Jersey City
02.2022 - 12.2022
  • Established operational procedures that reduced conditions by 50%, enhancing overall efficiency.
  • Secured $15 million in warehouse bank credit by identifying opportunities for capital growth.
  • Organized projects with outside investors to prevent loan buybacks and mitigate risks.
  • Created data tapes in Excel for presentation to potential investors and traded DSCR and Bridge loans on the secondary market.

Post-Closing Specialist

HomeBridge Financial Services
Iselin
09.2019 - 02.2022
  • Reviewed loan files for compliance with internal policies and state/federal regulations.
  • Maintained communication with title companies, settlement agents, and internal staff to ensure timely loan post-closing.
  • Managed a pipeline of over 100 loans while maintaining quality standards.
  • Worked proficiently with FHA, VA, and conventional loans, ensuring accuracy and compliance.

Education

Bachelor of Arts - History

Kean University
Union, NJ
05.2019

Skills

  • Financial analysis and credit assessment
  • Risk management and loan underwriting
  • Data analysis and Excel modeling
  • Collateral evaluation
  • Portfolio assessment
  • Client relationship management
  • Financial analysis
  • Credit assessment
  • Risk management
  • Loan underwriting
  • Data analysis

Timeline

Loan Analyst II

Wintrust Life Finance
03.2023 - Current

Loan Analyst I

Wintrust Life Finance
03.2023 - Current

Collateral Analyst

Asset Based Lending
02.2022 - 12.2022

Post-Closing Specialist

HomeBridge Financial Services
09.2019 - 02.2022

Bachelor of Arts - History

Kean University

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