Summary
Overview
Work History
Education
Skills
Timeline
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Rachael D. Raaf

Norwalk,IA

Summary

Detail-oriented finance professional skilled in assessing financial conditions and conducting risk analysis for commercial enterprises. Expertise in developing tailored loan structures that comply with regulations and meet customer needs. Focused on driving organizational success through effective teamwork and strategic contributions.

Overview

14
14
years of professional experience

Work History

Senior Credit Analyst

West Bank
West Des Moines, Iowa
03.2013 - Current
  • Analyzed financial conditions of existing and prospective customers to evaluate creditworthiness.
  • Collaborated with bankers to align business objectives with customer needs, enhancing loan origination strategies.
  • Prepared cash flow tables, collateral summaries, and detailed analyses of financial strength.
  • Monitored loan portfolio compliance with internal standards and external regulations.
  • Conducted internal evaluations for commercial loans under 500 million dollars to support informed lending decisions.
  • Utilized data from CoStar to analyze market trends in residential and commercial real estate, informing credit risk assessments for real estate portfolio.

Education

Master of Business Administration, Concentration in Accounting -

Drake University
Des Moines, Iowa
05-2025

Bachelor of Business Administration - Accounting and Finance

University of Iowa
Iowa City, Iowa
12-2012

Bachelor of Business Studies - Liberal Arts

Kirkwood Community College
Iowa City, Iowa
05-2009

Skills

  • Credit risk assessment
  • Cash flow analysis
  • Financial statement evaluation
  • Collateral evaluation
  • Regulatory compliance
  • Industry trend analysis
  • Analytical skills
  • Attention to detail
  • Effective communication
  • Organizational skills
  • Problem solving
  • Microsoft Office proficiency

Timeline

Senior Credit Analyst

West Bank
03.2013 - Current

Master of Business Administration, Concentration in Accounting -

Drake University

Bachelor of Business Administration - Accounting and Finance

University of Iowa

Bachelor of Business Studies - Liberal Arts

Kirkwood Community College
Rachael D. Raaf