Summary
Overview
Work History
Education
Skills
Timeline
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Mike Mehaffey

Sugar Land,TX

Summary

Accomplished Senior Credit Analyst with a proven track record at enhancing profitability through expert loan structuring and credit risk assessment. Skilled in financial statement review and verbal communication, consistently exceeding performance targets by optimizing pricing structures and fostering long-term client relationships.

Overview

7
7
years of professional experience

Work History

Senior Credit Analyst

CU Business Group
01.2021 - 08.2021
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Performed credit reviews on corporations to assess financial conditions.
  • Complied with internal controls and government regulations.
  • Improved understanding of financial statements, which helped in assessing risk.
  • Gathered loan documentation for underwriting.
  • Evaluated customer credit data to determine level of risk involved in money lending.

Commercial Credit Analyst II

Columbia Bank
10.2016 - 01.2021
  • Increased profitability by optimizing pricing structures based on borrower risk profiles and market conditions.
  • Managed a diverse portfolio of commercial loans, consistently meeting or exceeding performance targets.
  • Assessed credit risk and analyzed financial statements.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.

Business Relationship Specialist

Farmers & Merchants Bank
07.2014 - 09.2016
  • Proactively reached out to existing clients for regular check-ins, fostering long-term relationships built on trust and loyalty.
  • Collaborated with branch team members to achieve sales targets and improve overall performance.
  • Identified cross-selling opportunities for additional bank products and services, increasing revenue streams.
  • Improved client satisfaction by providing personalized financial solutions and advice.

Education

Bachelor of Science - Business Administration And Management

Argosy University
Orange, CA

Skills

  • Loan structuring
  • Credit decisions
  • Credit risk
  • Credit Scoring Models
  • Verbal and written communication
  • Financial statement review
  • Credit analysis
  • Lending regulations
  • Loan Documentation
  • Cash Flow analysis
  • Data Analysis
  • Underwriting

Timeline

Senior Credit Analyst

CU Business Group
01.2021 - 08.2021

Commercial Credit Analyst II

Columbia Bank
10.2016 - 01.2021

Business Relationship Specialist

Farmers & Merchants Bank
07.2014 - 09.2016

Bachelor of Science - Business Administration And Management

Argosy University

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Mike Mehaffey