Sinclair Slater
Las Vegas,NV
Summary
Experienced and detail-oriented Credit Analyst with approx 5 years of knowledge with a proven track record of assessing financial data and mitigating credit risk. Adept at conducting comprehensive financial analyses, evaluating creditworthiness, and making informed recommendations to optimize lending decisions. Strong analytical skills combined with a deep understanding of industry trends and regulations. Skilled in developing and maintaining effective relationships with clients, colleagues, and stakeholders. Proven ability to communicate complex financial information in a clear and concise manner. Committed to maintaining the highest standards of accuracy and integrity while contributing to the overall success of the organization. Seeking to leverage expertise in credit analysis to support sound financial decision-making and enhance the company's risk management strategies.
Overview
5
5
years of professional experience
Work History
Credit Analyst
First American Equipment Finance
10.2018 - 03.2023
- Reviewed Financial statements and credit reports to comprehensively to identify borrowers' credit history and creditworthiness.
- Assess companies financial performance and ability to service debt through financial statement analysis, cash flow templates, and expedited credit processes.
- Commercial credit underwriting reporting company's solvency, liquidity, leverage, operations and cash flow.
- Commercial and Industry (C&!) underwriting for industries such as: Non-Profit Healthcare & Education, Manufacturing, Food & Beverage, Logistics and Distribution, Professional and Specialty Services.
- Coordinate with Senior Analyst, and cross department team members to process detailed credit decisions
- Extensive experience with Canadian AIRB rating system along with American 1-10 rating system of credit.
Bank Teller
Reliant Community Credit Union
09.2017 - 09.2018
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Processed customer transactions promptly, minimizing wait times.
- Built and strengthened customer relationships by leveraging excellent interpersonal and communication skills.
- Reconciled cash drawer and resolved discrepancies.
- Educated customers on use of banking website and mobile apps.
- Learned about customer's financial needs, established trust, and optimized sales opportunities resulting in quality customer service.
- Audited fellow teller currency to contribute to dual-control procedures.
Education
Bachelor of Science - Business Administration And Finance
SUNY College At Brockport
Brockport, NY05.2018
Skills
- Financial Statements Analysis and Reporting
- Oral and Written Communications
- Credit reporting and Cash Flow Analysis
- Verbal and Written Communication
- Commercial Credit Underwriting
- Proficient in SalesForce, Moody's Risk Analytic/Credit Lens, MS Excel, MS Word, MS PowerPoint
Timeline
Credit Analyst
First American Equipment Finance
10.2018 - 03.2023
Bank Teller
Reliant Community Credit Union
09.2017 - 09.2018
Bachelor of Science - Business Administration And Finance
SUNY College At Brockport
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