Summary
Overview
Work History
Education
Skills
Websites
Affiliations
Languages
Hobbies
Timeline
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Walid Houalla

Farmington Hills,MI

Summary

Finance professional with expertise in commercial credit analysis, underwriting, and portfolio risk management. Underwrite loans up to $10M at Oxford Bank, which was recognized as the11th nationally in community bank lending by Independent Community Bankers of America (ICBA) in 2023. Completed rigorous credit training under senior leaders who previously held roles at bulge-bracket banks. Proficient in cash flow analysis, financial analysis, loan structuring, relationship-based lending, and regulatory compliance, with additional experience in financial operations and data analysis across the automotive and service sectors.

Overview

3
3
years of professional experience

Work History

Commercial Credit Analyst

Oxford Bank
Wixom, USA
02.2024 - Current
  • Bank Overview: Ranked 11th nationally in community bank lending by the ICBA for 2023. (Website: OxfordBank.Bank)
  • Conduct in-depth credit evaluations of commercial clients, including financial statement and cash flow analysis, contributing to improved early risk detection, and a 5% enhancement in loan review efficiency.
  • Underwrite credit for C&I and IRE, ranging from $500K to $10M, applying financial modeling and risk assessment techniques to support well-informed lending decisions.
  • Prepared and presented over 45 credit reports and risk assessments to senior leadership, offering insights that supported strategic lending decisions and credit policy alignment.
  • Partnered with senior management to track the performance of a diverse credit portfolio, contributing to risk mitigation strategies that supported stable portfolio quality during market fluctuations.

Finance Operations Manager

SBM Management
Dearborn, USA
02.2023 - 02.2024
  • Assisted in examining fiscal health. Led overhead cost analysis for the client's (Ford) facilities portfolio, identifying operational inefficiencies to uncover opportunities that contributed to a 6% reduction in overhead expenses.
  • Collaborated with Ford account leadership to analyze spend trends, develop forecasting models, and provide actionable insights for strategic decision-making.
  • Partnered with cross-functional teams- including procurement, facilities, and operations- to streamline cost allocation processes and improve financial visibility across key projects.
  • Designed and maintained detailed Excel models for scenario analysis, enhancing financial transparency and supporting capital planning for high-impact initiatives.

Financial Planning And Analysis - Intern

Daimay Automotive
Redford, USA
05.2022 - 08.2022
  • Assisted in examining fiscal health through liquidity, solvency, and profitability analysis, contributing to the identification of key areas for cost improvement.
  • Supported the team in communicating variances on financial reports to management, helping identify and address a 3% discrepancy in expenses, which led to more accurate future budget forecasting.
  • Conducted industry analysis to highlight inflated expenditures, supporting a cost-review process that helped the company identify a 4% potential savings opportunity.

Education

Bachelor of Business Administration - Finance

Grand Valley State University
Grand Rapids, MI

Skills

  • Credit analysis
  • Financial modeling
  • Risk assessment
  • Cash flow analysis
  • Credit reporting
  • Portfolio management

Affiliations

  • Seidman IPO - Anaylst

Languages

Arabic
Limited

Hobbies

  • Golf (9 HCP) | Chess (900 Elo) | Fitness (275 lb bench press) | Half Marathon (1:41 PR) | Snowboarding

Timeline

Commercial Credit Analyst

Oxford Bank
02.2024 - Current

Finance Operations Manager

SBM Management
02.2023 - 02.2024

Financial Planning And Analysis - Intern

Daimay Automotive
05.2022 - 08.2022

Bachelor of Business Administration - Finance

Grand Valley State University

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Walid Houalla