Zach Heisler
Sussex,Wi
Summary
Excellent communication skills, including ability to engage and develop relations with individuals at all levels. Strong analytical skills, ability to quickly evaluate problems and gather relevant information resulting in both creative and practical solutions. Ability to work effectively in high pressure situations and achieve detailed, quality, and prompt outcomes. Works well independently and as a team contributor; willing to take any position and responsibility necessary to efficiently achieve goals and expected results. Desire to continuously learn and improve upon myself for the better of the company. Empathetic leader with the ability to cultivate deep and meaningful relationships with direct and indirect employees. Proficient in nCino, Salesforce, AFS/Hogan, CreditLens, Microsoft Office Suite applications, and outlook with the ability to quickly learn and apply technical concepts. Experienced with reviewing and spreading multiple source document financial statements for both commercial and industrial relationships along with developer & investor relationships.
Credit professional with extensive experience in analyzing credit data and financial statements to assess risk and ensure compliance with lending standards. Known for collaborative approach and delivering results that align with company goals. Reliable and adaptable, possessing strong analytical skills and attention to detail.
Overview
13
13
years of professional experience
Work History
Portfolio Credit Support Manager
U.S. Bank
08.2020 - Current
- Aid in building of product packages, spreading financial statements, and providing quality checks on peers and indirect employee’s work
- Oversaw growth and development of Credit Support function from its infancy
- Teams handle spreading new money origination and renewal/review request in both BBCG and SBA
- BBCG & SBA PMG teams handle ensuring prompt creation of product packages along with core banker financial information request with nCino for complete package requirements
- Trained all new Portfolio Monitoring Analyst on spreading standards and processes needed to complete job duties in a prompt and efficient manner
- Participated in the development, implementation, and upkeep of the spreading standards including baseline spread requirements
- Created training guides and materials that documented and explained process for creating product packages and financial task requirements along with approved messaging and follow up measures such that full financial packages on all reviews and renewals were collected in a prompt and efficient manner
- Created and supported multiple dashboards and reports which allowed insight into the status of all BBCG Portfolio Monitoring Analyst task to ensure efficient operations
- Aided in the follow up including escalation calls with market leaders on all renewals and reviews due in the next 60 days to minimize the number of past due renewals and annual reviews
- Helped in the design and roll out of the full credit support tasking functionality across all BBCG Originations and SBA Originations which replaced manual processes completed outside of nCino
- Aided in the roll out of the customer portal and took on a subject matter expert role for BBCG which included leading training sessions with underwriters and field partners
- Monitored and cleared all BBCS spreading exceptions & missing links within Risk Portal
- Aided in merger between BBLS & CBB within in nCino by testing user stories, defining roles & responsibilities, creating reporting/dashboards for multiple groups and creating consolidated spreading standards
- Initiated a bi-monthly Let’s Chat Series where Portfolio Credit Support Analyst were able to talk & ask questions about topics that enabled personal and professional development
- Conducted regular performance reviews, providing constructive feedback and guidance for professional development.
- Created detailed reports on team performance, identifying areas of strength as well as opportunities for improvement.
- Managed daily operations to ensure smooth functioning of the support department.
Business Banking Underwriting Manager
U.S. Bank
10.2018 - 08.2020
- Led a team made of large and core underwriters including remote employees across the country
- Maintained a credit authority of $1MM
- Reviewed transactions including reviews, renewals, and modifications for spread accuracy, ensure decisions met U.S
- Bank risk profile, and make sure all U.S
- Bank policies were appropriately met and followed on transactions and relationships up to $2.5MM in exposure
- Aided underwriters in obtaining information needed to complete their underwriting events by escalating items to appropriate parties in the field
- Ensured all underwriters achieved proper production and audit goals
- Tracked and help underwriters manage their pipelines to ensure all applicable deadlines are met on a prompt basis
- Helped in coaching underwriters in calls and conflict resolution with bankers and customers
- Helped underwriters develop, start, and track development plans to grow their potential as underwriters as well as help them develop and pursue future career interest and goals
- Completed pre-review of unassigned files to ensure any potential downgrades or regulatory deadlines/items are appropriately found and assigned in a prompt fashion
- Aided in spreading and underwriting files as needed
Business Banking Lending Center Credit Analyst
U.S. Bank
11.2014 - 10.2018
- Started as a behavioral credit analyst then was promoted to a core underwriter and finally promoted to a large underwriter (May of 2017)
- Collaborated directly with bankers to ensure the needed financial information and documents are provided in a prompt fashion
- Led both the core and large underwriting teams in production volume and audit scores throughout time as an underwriter
- Reviewed and spread business tax returns, personal tax returns, audited financial statements, and compiled financial statements in excel as well as Moody’s Risk Analyst
- Reviewed and assigned proper risk ratings as well as writing probability of default templates on relationships over $1MM
- Completed detailed write ups summarizing the transaction, credit history, borrower’s financial performance and outlook, collateral position, and overall risk of the specific transaction and relationship
- Made recommendations to senior management on renewal terms, proper risk rating of the relationship, and how the relationship should be managed moving forward if the credit is non-pass rated
Credit Analyst
GreatAmerica Financial Services Corporation
05.2012 - 10.2014
- Worked applications across multiple business units daily for both originations and existing customer bases
- Reviewed and researched request for credit request ranging in size from $1k to $500k
- Reviewed personal and business tax returns as well as audited financial statements
- Used credit reporting sources (Dun & Bradstreet, Paynet, SBRI, and personal credit reports) to approve, decline, or pend applications for more information
- Communicate decisions to vendors/lessees and follow up request for added information
- Provided internal and external customer support via phone and e-mail to vendors, lessees, and other GreatAmerica departments
- Completed detailed write ups and reviews on large exposure customers
- Tracked delinquent accounts and researched earlier write offs to help predict future industry trends and prevent future losses
- Built and kept reports to track analyst and vendor performance
Education
Bachelor of Science - Finance
Iowa State University
Ames, IA05.2012
Skills
- NCino
- Salesforce
- CreditLens
- Communication skills
- Analytical skills
- Problem evaluation
- Creative solutions
- Practical solutions
- Continuous learning
- Relationship building
- Problem-solving
- Teamwork and collaboration
- Training and mentoring
- Quality assurance
- Continuous improvement
Leadership Experience
- U.S. Bank, Selected to take part in the Leaders of Tomorrow Program for 2018. Program is designed to give young potential leaders the ability to develop their management abilities as well as gain exposure to community banking and its leadership., Served as the Talk to Us Survey Champion for 2018., Volunteered to work together with other divisions within the Small Business Lending Services teams to review and develop a uniform approach on how to appropriately spread financial statements on a global basis., Took part in the Agile Studio and Business Lending Transformation team in January of 2019.
- GreatAmerica Financial Services, Former member of the credit empowerment team, whose mission was to improve credit policies and training opportunities to improve employee engagement., Former member of the credit innovation team, whose mission was to find ways to improve the daily workflow of credit analyst leading to increased production and efficiencies., Former member of the corporate wellness team, whose mission was to create and implement ideas aimed at improving the overall wellness of GreatAmerica team members.
Timeline
Portfolio Credit Support Manager
U.S. Bank
08.2020 - Current
Business Banking Underwriting Manager
U.S. Bank
10.2018 - 08.2020
Business Banking Lending Center Credit Analyst
U.S. Bank
11.2014 - 10.2018
Credit Analyst
GreatAmerica Financial Services Corporation
05.2012 - 10.2014
Bachelor of Science - Finance
Iowa State University
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