Experience

Eclipse Business Capital, LLC

• United States
• Financial Services
• 1 - 100 Employee

• AVP, Credit

  • Jan 2022 - Present



CIT

• United States
• Financial Services
• 700 & Above Employee

• Associate

  • Mar 2021 - Jan 2022



PNC

• United States
• Financial Services
• 700 & Above Employee

• C&IB Senior Associate, Business Credit

  • Aug 2018 - Mar 2021

  • Manage underwriting due diligence process and perform independent in-depth company, industry, and financial analysis of historical financial results and the financial position of prospective borrowers, to provide a detailed assessment of creditworthiness, reasonableness of projected financial results, and credit structure of ABL and First Out loans • Build, review, and sensitize projection models to determine projected FCF, FCCR, and Leverage Ratios • Conduct independent analysis to identify key transaction risks and mitigants. Prepared and effectively recommended loan offerings by analyzing repayment capacity, liquidity, and collateral strength of transaction parties, as well as providing recommendations for credit structuring, transaction size typically between $50MM - $750MM • Perform KYC, AML, COBRA, and OFAC analysis on all borrowers, guarantors, and sponsor firms on each transaction • Participated in a formal credit training program spanning across and 11-week period, focused on the implementation of credit and DCF models indicating borrowers credit performance and projected covenant compliance • Compile industry analysis and determine economic moat of potential borrowers utilizing CapIQ, IbisWorld, Moody’s Analytics, and financial sponsor’s investment thesis to understand both the micro and macro position of the business • Conduct testing, valuation, and analysis and general due diligence of the borrowers reported financial collateral • Confirm proper reporting of collateral to the Borrowing Base, to ensure financial loan covenants have been upheld • Engage in meetings with the deal team and the borrower’s management team, to highlight potential areas of risk, past performance, revolver availability, additions or subtractions of debt financing, and forecasted trends • Perform portfolio audits on asset-based loans, typically on middle market companies with revenue between $30MM and $750MM



Teradata

• United States
• Software Development
• 700 & Above Employee

• Finance/ Order Management Intern

  • May 2016 - Apr 2018

  •Participate in the migration of over 1500 international marketing application and operations contracts •Communicate effectively and efficiently between co-workers, supervisors, and management •Organize at least 10 software or professional service orders per day •Responsible for invoicing correct amounts to maintain order and excellent customer relations •Prepare domestic and international orders for shipment to ensure each item reaches its correct destination •Participate in the migration of over 1500 international marketing application and operations contracts •Communicate effectively and efficiently between co-workers, supervisors, and management •Organize at least 10 software or professional service orders per day •Responsible for invoicing correct amounts to maintain order and excellent customer relations •Prepare domestic and international orders for shipment to ensure each item reaches its correct destination



PNC

• United States
• Financial Services
• 700 & Above Employee

• Business Credit Analyst Intern

  • May 2017 - Aug 2017

  • Participate in a 10-week internship program, Business Credit Division of Corporate & Institution Banking • Conduct testing, valuation, and analysis of collateral securing loans to borrowers in order to show weaknesses • Prepare Excel reports, supporting Word documents, and work papers to highlight key areas of credit risk • Perform as an assist on a total of five field examinations in the Southwest region of the United States • Report findings and analysis in Asset Writer, to collaborate with other examiners and for the write up period • Work on asset based lending loans, typically with middle market companies in-between $30MM and $650MM