Ryan Ervin
Grand Rapids
Summary
Tenured Credit Analyst with a proven track record at Mercantile Bank, specializing in underwriting and portfolio management. Excelled in analyzing financial statement and documentation accuracy, enhancing commercial loan requests, and identifying high-risk accounts. Skilled in many of the software used by Mercantile Bank and have the ability to be a leader and work with a team with high efficiency.
Overview
7
7
years of professional experience
Work History
Credit Analyst
Mercantile Bank
05.2022 - Current
- Underwrite and analyze commercial loan requests.
- Made recommendations about extending loan facilities.
- Manage a group of Banker's portfolios, including monitoring financial statement exceptions, maturing loans, monthly reports, and covenant exceptions.
- Conducted financial review of customers by assessing company financials.
Credit Analyst Intern
Mercantile Bank
11.2019 - 05.2022
- Conducted financial review of customers by assessing and spreading company financials.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
Teller
Mercantile Bank
06.2017 - 11.2019
- Identified sales opportunities and referred customers to branch partners in financial services.
- Educated customers on use of banking website and mobile apps.
- Processed customer transactions promptly, minimizing wait times.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
Education
Bachelor of Science - Accounting
Northwood University
Midland, MI05.2022
Skills
- Proficient in Excel, Word, Adobe, Navigator, 360 View, and Loan Vantage
- Underwriting
- Oral and written communications
- Data Compilation
- Portfolio Management
- High risk account reviews
Timeline
Credit Analyst
Mercantile Bank
05.2022 - Current
Credit Analyst Intern
Mercantile Bank
11.2019 - 05.2022
Teller
Mercantile Bank
06.2017 - 11.2019
Bachelor of Science - Accounting
Northwood University
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