Summary
Overview
Work History
Education
Skills
Languages
Community Service
Work Preference
Timeline
Generic
Open To Work

Preston Zeller

Gurley,AL

Summary

Experienced with financial analysis and credit risk assessment, focusing on evaluating borrower creditworthiness. Utilizes advanced analytical skills to interpret complex financial data and provide actionable insights. Equipped with strong problem-solving abilities, willingness to learn, and excellent communication skills. Poised to contribute to team success and achieve positive results. Ready to tackle new challenges and advance organizational objectives with dedication and enthusiasm.

Overview

11
11
years of professional experience

Work History

Credit Analyst II

Renasant Bank
11.2022 - Current
  • Develop credit information for use by the lending officers or senior management in making lending decisions on new, renewal and extension loans.
  • Review all pertinent credit and financial information, including reporting services, credit bureaus, other companies, and main office files.
  • Prepare all calculations for income to determine the debt service.
  • Determine the need for more thorough investigation or additional information and completes that investigation.
  • Analyze income, debt obligations and related material to determine the credit worthiness of the request.
  • Prepare written summary, presents facts, and offers opinions concerning credit worthiness to loan officers or senior management in written decisions and or in oral presentations.
  • Monitor and help maintain the Bank’s Credit Scoring systems by calculating debt service ratio and monitoring application accuracy.
  • Work with loan officers to assist them in the qualification loans.
  • Keep informed of current practices in loan underwriting, accounting, economics, and credit analysis.
  • Assume ownership of assigned credits with no direct supervision. Works independently on most credits.
  • Analyze credits in the bank with some assistance from the management.
  • Ensure that all loan requests meet regulation implemented by the Bank and other Government Regulations.
  • Monitor and prepare consumer credit denials.
  • Preform other duties as assigned.
  • This position serves as a more senior level role where responsibilities are increased, and lending limits are awarded. For example, more complex files will be assigned, and have more of an entry level role in Senior/ Assistant Manager role.
  • Preform loan audits of department wide submitted loans when tasked by management.
  • Assist with running and maintaining systems checks with Manager to verify UW system is operating correctly.

Credit Analyst I

Renasant Bank
04.2020 - 11.2022
  • Developed credit information for use by the lending officers or senior management in making lending decisions on new, renewal and extension loans.
  • Reviewed all pertinent credit and financial information, including reporting services, credit bureaus, other companies, and main office files.
  • Prepared all calculations for income to determine the debt service.
  • Determined the need for more thorough investigation or additional information and completes that investigation.
  • Analyzed income, debt obligations and related material to determine the credit worthiness of the request.
  • Prepared written summary, presents facts and offers opinions concerning credit worthiness to loan officers or senior management in written decisions and or in oral presentations.
  • Monitored and helped maintain the Bank’s Credit Scoring systems by calculating debt service ratio and monitoring application accuracy.
  • Worked with loan officers to assist them in the qualification loans.
  • Kept informed of current practices in loan underwriting, accounting, economics, and credit analysis.
  • Assumed ownership of assigned credits with no direct supervision. Works independently on most credits.
  • Analyzed credits in the bank with some assistance from the management.
  • Ensured that all loan requests meet regulation implemented by the Bank and other Government Regulations.
  • Monitored and prepare consumer credit denials.
  • Preformed other duties as assigned.

Procurement & Logistics

Redstone Federal Credit Union
01.2016 - 04.2020
  • Inventory and Supply Chain Management
  • Charged with the duties of buying material for the entire Redstone Federal Credit Union.
  • Assisted managing with logistical operations to include the planning, procurement, receipt, distribution, inventory, accountability, and maintenance of hundreds of materials.
  • Oversaw material goods.
  • Successfully meet cost goals by communication with vendors.
  • (Ex. Saved $12,000 with one project.)
  • Coached and train new department staff on job objectives.
  • Implemented effective inventory controls and eliminated shortage.
  • Reviewed purchasing decisions, orders to ensure requests are met in a timely manner. Address and resolve all order discrepancies immediately to ensure quality and maintain the organization’s reputation.
  • Reduced obsolete inventory by getting transferred to electronic forms.
  • Performed operation meetings to discuss projects and make decisions about inventory.
  • Worked with potential new vendors looking for information on new equipment and pricing of supply.
  • Print Production
  • Managed all aspects of daily print production schedules.
  • Accountable for the overall quality and timeliness of the production.
  • Resolved conflicts and provided solutions in a professional manner to the satisfaction of clients.
  • Forecasted resource needs to assure completion of established objectives with cost savings and scheduled guidelines.
  • Point of contact for printing projects including brochures, newsletters and posters; and oversee publications inventory and archiving process.
  • Managed production of internal printing needs.
  • Negotiated all pricing, maintain vendor relations and source new partner.
  • Coached and trained new department staff on all printing machines and offset machines.
  • Affectively communicated with the Marketing and Compliance departments on inventory updating.
  • Provided print production to external community vendors and events.
  • Other Duties
  • Reviewed all incoming and outgoing product, coordinate and rout concerning the subject matter involved before referral to the manager.
  • Informed management of developments and progress concerning problems and follow up with results.
  • Advised manager, perform delegated duties as assigned, supported and managed multiple processes.
  • Monitored jobs and orders to ensure timeliness, consistency, and completeness.
  • Reviewed responses, and request to develop responses on behalf of the department.
  • Assessed the need for or adapt procedures to be used in processes.
  • Performed research on projects or assignments, which require confidentiality and professional judgment.
  • In this position I served as Assistant Manager in the absence of the department Manager.

Network Registrar

Huntsville City Schools
10.2015 - 12.2015
  • Provided customer service to Huntsville City Schools, faculty, and staff.
  • Communicated and problem-solved issues and concerns to all levels of organization.
  • Kept and recorded detailed records.
  • Activated and reactivated student WIFI devices.
  • Packed and shipped equipment to users.

Technician

Cook’s Pest Control
02.2015 - 10.2015
  • Contacted customers for monthly service.
  • Visited customers to administer treatments and install preventative products.
  • Collected payments from customers via phone or in person.
  • Recommended solutions for pest problems.
  • Sales

IT Courier

Huntsville City Schools
05.2014 - 02.2015
  • Delivered laptops to students/faculty/staff.
  • Received daily assignments and organized a schedule to distribute in a timely manner.
  • Inspected devices and delegated their destination.
  • Kept daily reports for future analysis and reporting.

Education

High School Diploma -

Madison County High
Gurley, AL
05-2013

No Degree - Criminal Justice

University of North Alabama
Florence, AL
05-2014

Skills

  • Team-oriented communication
  • Customer Service Excellence
  • Detail-oriented auditing
  • Credit Reports
  • Time management & Organization
  • Mortgage Lending
  • Analytical-style work
  • Credit Analysis
  • Financial Analysis
  • Procurement
  • Employee Relations
  • Employee Engagement
  • Credit Risk Management
  • Remote Work
  • Risk assessment
  • Credit analysis
  • Financial statement analysis
  • Credit risk
  • Credit decisions
  • Data analysis
  • Verbal and written communication
  • Financial statements expertise
  • Credit reporting
  • Continuous improvement
  • Time management abilities
  • Loan underwriting
  • Problem-solving abilities
  • Attention to detail
  • Multitasking
  • Problem-solving
  • Teamwork and collaboration
  • Time management
  • Written communication
  • Analytical thinking
  • Credit decision making
  • Credit risk assessment
  • Debt service models
  • Underwriting
  • Cash flow analysis

Languages

English

Community Service

Missionary Work, Traveled to Honduras to build 8 houses for impoverished families., Supplied medical supplies for communities., Fed 300 plus families.


Huntsville Holiness Church

· Weekly Donation Collector – Voted by my peers (2013-2018)

· Supply/Event coordinator – Voted by my peers (2017-2018)

. Needy Committee – Voted by my peers (2020 to 2022)

· Construction/Building Committee Chair – Voted by my peers (2022 to 2023)

· Speak to congregation periodically, visit the sick/elderly, and assist with any needs provided before me.

· Technical Programs Administrator – Voted by my peers (2016 to present)

   o Manage all access to church building Via TruPortal system.

   o Assist in managing software and hardware installation.

   o Assist in testing and the functionality of the hardware.

   o Manage security cameras via Unifi Video and deal with matters if there is to be one.

   o Through TruPortal we receive alerts for the following: forced entry, power outage, power being restored, unlock and locking of doors off the            routine schedule.

   o Assign names to fobs and handing out the newly assigned fob.

   o Manage the archives and remove names or reassign where needed.

   o Keep inventory and collect fees when new fobs are assigned.

   o All duties and task are done by either app or removing into the church server.

   o Work hand in hand with Building Committee and Construction Contractor.

   o Review Specs and Blueprints of new church construction involving the Technical Programs Team.

   0 Locate and develop within specs the approximate location relative to functionality of Data Cables, Hook ups, Conduit, ETC. Work in conjunction with Technical Programs to research and produce the most cost/tech friendly software. This task involves providing a simple remote access via cell phone to enter the church, grant access, and create rules/schedules within the system. As well as Video Camera Software to monitor Building and Grounds.

Work Preference

Work Type

Full Time

Location Preference

RemoteHybrid

Timeline

Credit Analyst II

Renasant Bank
11.2022 - Current

Credit Analyst I

Renasant Bank
04.2020 - 11.2022

Procurement & Logistics

Redstone Federal Credit Union
01.2016 - 04.2020

Network Registrar

Huntsville City Schools
10.2015 - 12.2015

Technician

Cook’s Pest Control
02.2015 - 10.2015

IT Courier

Huntsville City Schools
05.2014 - 02.2015

High School Diploma -

Madison County High

No Degree - Criminal Justice

University of North Alabama

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