Na'Dirah Slaughter, MBA
Avenel,NJ
Summary
As the CEO of Shining Light Consulting, I bring over 20 years of expertise in structured finance and securitization, underpinned by an MBA and a proven track record in credit risk management. Our firm specializes in financial modeling and valuation, delivering customized solutions that empower communities and small businesses to drive growth and profitability. With a commitment to excellence and a collaborative approach, we provide tailored financial models that support strategic decision-making, enabling our clients to unlock their potential and achieve sustainable success.
Overview
24
24
years of professional experience
1
1
Certification
Work History
CEO/Founder
Shining Light Consulting LLC
Avenel, NJ
07.2022 - Current
- Developed and implemented strategic business plans to increase company profitability.
- Created and maintained relationships with key stakeholders, including customers, suppliers, government agencies, and other industry partners.
- Managed executive team members to ensure successful execution of projects in a timely manner.
- Recruited, trained, mentored, and managed employees at all levels within the organization.
- Negotiated contracts with vendors to secure competitive pricing for goods or services.
- Monitored budgetary expenditures across multiple departments to ensure fiscal responsibility.
- Cultivated relationships with external organizations to build partnerships that benefited both parties.
- Represented the organization at conferences, events, networking activities., as needed.
Senior. Credit Analyst, Underwriter
GM Financial
Paramus, NJ
01.2012 - Current
- Ensure compliance with lending standards and regulatory requirements
- Regularly review credit risk policies and standards
- Support clients in creating and implementing strategies to encourage safe lending practices and reduce risks
- Conduct and support periodic stress testing and scenario analysis to evaluate portfolio resilience
- Ensure creditworthiness is integrated into decision making processes and aligns with policies and standards
- Maintain a current understanding of credit risk profiles, including high-risk clients, major borrowers, and those applying for credit
- Meticulous attention to detail, ensuring accuracy in credit assessments, underwriting processes, and compliance with guidelines
- Make decisions to approve or deny the extension of credit within set credit authority established by senior management and state/federal laws
- Demonstrated excellence in credit analysis and underwriting, showcasing the ability to evaluate and mitigate risks effectively
- Provided expert guidance on the risk profile of proposed transactions, ensuring candidates are a strong fit based on credit worthiness
- Strong oral and written communication skills, facilitating seamless interaction with internal and external stakeholders at all organizational levels
- Approximately 400 credit applications reviewed per month for accuracy, ability, stability, and willingness to repay
Risk Operations Manager
Bank of America, NA
Newark, NJ
04.2001 - 01.2012
- Reviewed portfolios, identifying risk factors and determined methods to alleviate delinquencies
- Created and managed scorecards for underwriting and predictability models.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk
- Originated loans and assisted senior-level credit officers with complex loan applications
- Reported findings on risk exposures to senior executives and board of directors.
- Analyzed reporting strategies and data to create educational programs.
- Conducted investigations and took appropriate actions to resolve concerns.
- Used Excel pivot tables, charts and reports to break down and analyze information.
Education
MBA - Finance
Texas A&M University - Corpus Christi
08.2023
Bachelor Of Science - Business Administration
Montclair State University
05.2022
Skills
- Financial Modeling
- Cost-Benefit Analysis
- Underwriting Guidelines
- Credit Analysis
- Familiarity with databases and SQL/ Python
- Collateral Assessment
- Financial Statement Analysis
- Market Research
- Portfolio Management
- Financial Modeling
- Financial Reporting
- Familiarity with GAAP Accounting Practices
- Building Income Statements, Statement of Cash Flows in Excel
- DCF Valuation
- 5 year Projection Models
- M&A Projects
- Sensitivity Analysis in Excel
- Regression Analysis
- Data Analysis
- Risk Management
Certification
- Advanced Financial Modeling in Excel
- Finance & Valuation Modeling in Excel
- Bloomberg Market Concepts Certification
- Excel for Business and Finance
- Powerpoint for Business and Finance
- Mergers and Aquisitions
- LBO Modeling and Private Equity
- Financial Accounting Essentials
Shining Light Consulting Member Organizations
- National Small Business Association, Washington DC
- Woodbridge Chamber of Commerce, Woodbridge NJ
- African American Chamber of Commerce, Trenton NJ
- Women in Financial Modeling, Sydney Australia
Timeline
CEO/Founder
Shining Light Consulting LLC
07.2022 - Current
Senior. Credit Analyst, Underwriter
GM Financial
01.2012 - Current
Risk Operations Manager
Bank of America, NA
04.2001 - 01.2012
MBA - Finance
Texas A&M University - Corpus Christi
Bachelor Of Science - Business Administration
Montclair State University
- Advanced Financial Modeling in Excel
- Finance & Valuation Modeling in Excel
- Bloomberg Market Concepts Certification
- Excel for Business and Finance
- Powerpoint for Business and Finance
- Mergers and Aquisitions
- LBO Modeling and Private Equity
- Financial Accounting Essentials
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