Steven Venegas
Linden
Summary
Rutgers Finance graduate with hands-on experience in financial reporting, cash flow analysis, and bank reconciliations from public accounting, combined with consumer credit exposure at Bank of America. CFA Level I Candidate and CBCA candidate actively building underwriting and modeling skillsets with a targeted long-term trajectory into commercial banking and credit analysis.
Overview
5
5
years of professional experience
Work History
Relationship Banker
Bank of America
05.2025 - Current
- Conduct client financial profile reviews including income, assets, liabilities, and credit history to assess product eligibility and preliminary credit risk.
- Apply core credit metrics including debt-to-income ratios and basic cash flow screening for consumer lending opportunities.
- Educate clients on mortgages, HELOCs, auto loans, and credit cards; originate referrals to lending specialists for formal underwriting review.
- Open and maintain consumer and small business deposit accounts while ensuring full compliance with KYC, AML, and internal risk controls.
- Completed Bank of America Credit Fundamentals Training covering lending products, credit metrics, and regulatory framework.
Financial Advisor
Equitable Advisors
10.2024 - 04.2025
- Collected and organized client financial data including income, assets, liabilities, and existing brokerage and retirement accounts to support financial planning reviews.
- Utilized firm financial planning software to generate client financial snapshots and identify gaps in savings, insurance, and investment coverage.
- Reviewed brokerage and retirement account statements to assess asset allocation, contribution levels, and overall financial position.
- Conducted prospect outreach and client intake through structured meetings and discovery conversations to gather complete financial profiles.
- Ensured full regulatory compliance with all client documentation, disclosures, and advisory procedures.
Small Business Owner
Self-employed
06.2020 - 09.2024
- Launched and operated an e-commerce resale business across multiple online platforms, managing end-to-end operations including sourcing, pricing, sales, and customer fulfillment.
- Tracked monthly revenues, expenses, and liquidity to monitor profitability and working capital position.
- Maintained sales performance tracking by product and platform to evaluate turnover and margin efficiency.
- Built and retained a repeat customer base through consistent delivery, pricing discipline, and inventory availability.
- Managed platform risk, payment processing, and customer disputes in accordance with marketplace policies.
Staff Accountant
Professional Management Associates
02.2023 - 06.2024
- Initiated the monthly end financial reporting process by performing bank reconciliations and reviewing transactional activity for accuracy and completeness.
- Analyzed general ledger activity and financial statements to identify irregularities, discrepancies, and potential risk indicators prior to final close.
- Utilized Excel (VLOOKUPs, Pivot Tables) and QuickBooks to manage, validate, and analyze large financial datasets across multiple client accounts.
- Assisted with budgeting processes, invoice review, and revenue & expense tracking to support cash flow oversight.
- Maintained audit ready financial documentation and supported internal controls through consistent review and verification procedures.
Education
Bachelor of Science - Finance
Rutgers Business School
Newark, NJ05-2025
Skills
- Financial Statement Analysis
- Cash Flow Analysis
- Bank & General Ledger Reconciliations
- Risk Assessment & Credit Fundamentals (5 Cs of Credit)
- Working Capital Concepts
- Debt-to-Income & Liquidity Analysis
- Structured Loan Fundamentals
- Internal Controls & Audit Preparation
- KYC / AML Compliance
- Microsoft Excel (Pivot Tables, VLOOKUP)
- QuickBooks
- CRM Systems
- 3-Statement Model Fundamentals (Training)
- Ratio Analysis (Training)
- Certifications: CFA Level I Candidate; Commercial Banking & Credit Analyst (CBCA – In Progress, CFI)
Languages
Spanish
Limited Working
Interests
- Soccer
- Chess
- Gym Workouts
- Economics & Politics
- Credit & Financial Markets
Timeline
Relationship Banker
Bank of America
05.2025 - Current
Financial Advisor
Equitable Advisors
10.2024 - 04.2025
Staff Accountant
Professional Management Associates
02.2023 - 06.2024
Small Business Owner
Self-employed
06.2020 - 09.2024
Bachelor of Science - Finance
Rutgers Business School