Summary
Overview
Work History
Education
Skills
Languages
Timeline

Rolando Alvarado

CHICAGO,IL

Summary

Detail and team oriented finance professional leveraging 3 years of experience in developing methodologies to predict future risk behaviors. Quick to adapt to new technologies and aspiring to attain CFA licensure to further expertise in financial reporting, investment analysis, and portfolio management. Looking to bring further success to a company through adaptability to new technologies and keen understanding of credit.

Overview

3
3
years of professional experience

Work History

Commercial Credit Analyst II

Old National Bank
03.2022 - Current
  • Prepare loan presentations for credit officers and loan committees for borrowers with $10MM-$50MM in revenues
  • Evaluate the level of risk in loan presentations by determining loan-to-value, collateral and guarantor strength, debt service coverage, and NOI for commercial real estate & business banking transactions
  • Analyze third party appraisals and environmental reports, market analyses, general contractor financials, and borrower’s ownership structure/cash flow to determine strength of deal
  • Knowledgeable in multi-family, retail, office, and industrial asset types in Chicagoland market
  • Manage relationships between clients and company stakeholders to facilitate new & maintain current business

Credit Analyst I

First Midwest Bank
07.2020 - 03.2022
  • Understood market landscape to analyze various risks and industry trends to recommend optimized deal structures for borrowers
  • Developed credit risk model to determine credit worthiness of clients
  • Assembled covenant exception reports to assist lenders with portfolio management needs
  • Monitored lenders’ portfolios through financial statement tracking, spreading, and covenant testing
  • Served as knowledgeable credit partner to clients, regularly meeting with stakeholders to formulate credit packages and understand business needs to provide meaningful partnership opportunities

Accountant

Methodbooks
09.2019 - 05.2020
  • Performed full cycle accounts payable duties & month-end close procedures, & journal entries
  • Prepared and maintained financial statements; Profit & Loss, Balance Sheet and Statement of Cash Flow
  • Performed month end reconciliations of bank accounts and credit card statements
  • Worked with senior leadership to prepare annual budget by analyzing past & present operations, trends, costs, and estimated & realized revenues to project future revenues and expenses.

Summer Audit & Assurance Intern

Deloitte
06.2018 - 08.2018
  • Managed Client relations, led calls 2x/week and traveled to service their needs
  • Analyzed corporate balance sheets and income statements identifying variances that required additional investigation from audit team
  • Reviewed financial statements to identify areas to test for significant risk of material misstatement (RoMM)

Education

Bachelor of Science - Accounting And Finance

University of Illinois Urbana-Champaign, Champaign
05.2020

Skills

  • Excel, Quickbooks, NetSuite, Google Analytics, Microsoft Suite
  • Tableau, Salesforce, R, Python (Pandas), SQL
  • Certifications in Commercial & Corporate Banking - Moody's Analytics
  • Budget Management, GAAP Knowledge, Forecasting, Invoicing, Reconciling, Financial Statements & Reporting, Compliance

Languages

Spanish
Native or Bilingual

Timeline

Commercial Credit Analyst II - Old National Bank
03.2022 - Current
Credit Analyst I - First Midwest Bank
07.2020 - 03.2022
Accountant - Methodbooks
09.2019 - 05.2020
Summer Audit & Assurance Intern - Deloitte
06.2018 - 08.2018
University of Illinois Urbana-Champaign - Bachelor of Science, Accounting And Finance

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Rolando Alvarado