Summary
Overview
Work History
Education
Skills
Websites
Timeline
KEY QUALIFICATIONS
Generic

PHILLIP ANDRYUSHCHENKO

Charlotte,NC

Summary

Analytical, client-focused credit professional with hands-on experience in credit analysis, trade support, and portfolio monitoring. Proven ability to assess borrower creditworthiness, manage exceptions, and support end-to-end credit processes while ensuring compliance with policies and procedures. Strong communicator fluent in English, Russian, and Ukrainian, with advanced Excel skills and a demonstrated ability to collaborate across front-office, credit, and operations teams. Seeking to leverage trade support and credit-analysis experience in a Municipal Credit Support Analyst role at Bank of America.


Overview

4
4
years of professional experience

Work History

National Accounts Credit Analyst (Credit Specialist)

United Rentals
02.2025 - Current
  • - Performed thorough financial statement analysis (balance sheet, income statement, cash flows) to evaluate borrower creditworthiness for national accounts.
  • - Assessed liquidity, capital structure, borrowing capacity, and debt-service coverage to recommend credit decisions and limits.
  • - Conducted portfolio monitoring and produced periodic reports on account health and delinquency trends to drive risk mitigation strategies.
  • - Developed and implemented collection strategies for delinquent accounts, reducing portfolio risk through targeted remediation efforts.
  • - Prepared financial spreads and analyses used by credit approvers to support underwriting and periodic credit reviews.

Market Support Analyst

Bank of America
07.2024 - 01.2025
  • - Confirmed and processed credit derivatives and foreign exchange options (FXO) trades, ensuring regulatory and internal compliance for platinum clients.
  • - Managed trade confirmations, reconciliations, and aged trade resolution by coordinating with traders, middle-office, legal, and clients.
  • - Investigated and resolved complex trade exceptions and discrepancies, reducing operational risk and improving processing timelines.
  • - Maintained accurate trade records and documentation, demonstrating strong attention to data integrity and controls.
  • - Collaborated with cross-functional partners to support product lifecycle activities and improve operational workflows.

Sales Associate

Corporate T-Mobile Retail Store
10.2023 - 04.2024
  • - Delivered consultative sales and account support; educated customers on plans and promotions and consistently exceeded sales goals.
  • - Provided translation support (Russian, Ukrainian) for customers and colleagues, facilitating clear client communications and documentation.

Pick Up Manager

Vista Auction LLC
07.2022 - 05.2023
  • - Supervised logistics and ensured timely, safe pickup and delivery of auction items while training and directing staff.
  • - Managed exceptions and customer disputes, preserving client satisfaction and operational continuity.

Sales Representative

Gennadiy Auto Sales
10.2021 - 02.2022
  • - Negotiated and closed vehicle sales while maintaining strong client relationships and repeat business.

Education

Project Management Certificate -

Year Up
Charlotte, NC

Associate of Science - Business Administration

Central Piedmont Community College
Charlotte, NC

Advanced Project Management Certificate -

Central Piedmont Community College
Charlotte, NC

Skills

  • Credit & Portfolio Management: Financial statement analysis, credit risk assessment, debt serviceability, covenant monitoring, delinquency mitigation
  • Credit Operations & Documentation: Trade confirmation, reconciliation, legal document coordination, exception resolution, client engagement
  • Technical: Advanced Excel (pivot tables, VLOOKUP/XLOOKUP, INDEX/MATCH), Microsoft Office 365, Outlook, TradeServ, Side Trade, Rental Man/Win, Risk assessment, Credit analysis
  • Credit Tools & Processes: Financial spreading and modeling, covenant testing, periodic reviews (annual/interim), maintaining data integrity in enterprise systems
  • Interpersonal: Clear written & verbal communication, stakeholder collaboration, time management, self-starter, adapt quickly to new systems and process changes
  • Languages: English, Russian, Ukrainian

Timeline

National Accounts Credit Analyst (Credit Specialist)

United Rentals
02.2025 - Current

Market Support Analyst

Bank of America
07.2024 - 01.2025

Sales Associate

Corporate T-Mobile Retail Store
10.2023 - 04.2024

Pick Up Manager

Vista Auction LLC
07.2022 - 05.2023

Sales Representative

Gennadiy Auto Sales
10.2021 - 02.2022

Project Management Certificate -

Year Up

Associate of Science - Business Administration

Central Piedmont Community College

Advanced Project Management Certificate -

Central Piedmont Community College

KEY QUALIFICATIONS

  • - End-to-end credit support experience including financial spreading, covenant testing, periodic reviews, and exception resolution for commercial portfolios.
  • - Proven trade- and operations-focused background with strong data integrity practices and experience coordinating stakeholders to close and renew credit facilities.
  • - Familiar with credit monitoring and reporting workflows; comfortable learning enterprise systems (LoanIQ, Global Monitoring System) and producing timely spreads and MCDC analysis.
  • - Strong client communication and cross-functional collaboration skills; able to obtain required financial information, drive approvals, and resolve portfolio exceptions.

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