Experience

Washington Savings Bank

• United States
• Banking
• 1 - 100 Employee

• Commercial Credit Analyst

  • Sep 2020 - Present

  • Spread and make interpretive analyses of the financial statements and supporting documentation on new commercial and commercial real estate loans; prepare appropriate documentation to assist in the loan decision-making process • Review and analyze updated financial statements and supporting documentation on existing commercial and commercial real estate loans on at least an annual basis; prepare appropriate reports the file and Commercial Loan Officer review • Prepare reports as… Show more • Spread and make interpretive analyses of the financial statements and supporting documentation on new commercial and commercial real estate loans; prepare appropriate documentation to assist in the loan decision-making process • Review and analyze updated financial statements and supporting documentation on existing commercial and commercial real estate loans on at least an annual basis; prepare appropriate reports the file and Commercial Loan Officer review • Prepare reports as necessary for the Internal Loan Committee, Loan Review Committee and Board of Trustees • Analyze the performance and composition of the Bank’s loan portfolio and prepare reports concerning various trends, including delinquencies, portfolio composition, comparison with industry performance, etc. as directed • Conduct loan reviews on various loans in the portfolio to monitor the quality and performance of individual loans and relationships as well as the overall risk rating of the portfolio; obtain financial statements, perform comprehensive analyses of the loans and prepare a written report to review with the Senior Loan Officer Show less



Northern Bank

• United States
• Banking
• 100 - 200 Employee

• Analyst

  • May 2019 - Dec 2019

  Woburn, MA • Prepare financial, proforma and sensitivity analysis for commercial and industrial projects; analyze personal and corporate cash flow analysis in order to assess the financial condition of new and/or existing customers • Generate financial ratios to evaluate customers’ financial status using in-depth analyses of business, management and industry factors • Working knowledge of financial statements and financial statement analysis • Independently underwrite prospective financing… Show more • Prepare financial, proforma and sensitivity analysis for commercial and industrial projects; analyze personal and corporate cash flow analysis in order to assess the financial condition of new and/or existing customers • Generate financial ratios to evaluate customers’ financial status using in-depth analyses of business, management and industry factors • Working knowledge of financial statements and financial statement analysis • Independently underwrite prospective financing packages, including credit analyses and summaries of loan requests, and submit to loan committee for approval • Analyze credit data and financial statements of the Bank’s Corporate Banking loan portfolios to determine the degree of risk related to extending credit or lending money • Provide support to senior credit management team Show less



Cambridge Savings Bank

• United States
• Banking
• 300 - 400 Employee

• Analyst

  • Jun 2018 - May 2019

  Cambridge, MA • Prepared financial, proforma and sensitivity analysis for commercial real estate projects; analyze personal and corporate cash flow analysis in order to assess the financial condition of new and/or existing customers • Generated financial ratios to evaluate customers’ financial status using in-depth analyses of business, management and industry factors • Working knowledge of financial statements and financial statement analysis • Analyzed credit data and financial statements of the… Show more • Prepared financial, proforma and sensitivity analysis for commercial real estate projects; analyze personal and corporate cash flow analysis in order to assess the financial condition of new and/or existing customers • Generated financial ratios to evaluate customers’ financial status using in-depth analyses of business, management and industry factors • Working knowledge of financial statements and financial statement analysis • Analyzed credit data and financial statements of the Bank’s Commercial Real Estate and Corporate Banking loan portfolios to determine the degree of risk related to extending credit or lending money • Completed loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval • Provided support to senior credit and risk management teams Show less



Merrimack College

• United States
• Higher Education
• 700 & Above Employee

• Bloomberg Financial Markets Lab Assistant

  • Sep 2017 - Mar 2018

  North Andover, MA • Assist students with the use and navigation of the Bloomberg Terminal to access the Bloomberg Professional service that enables students to monitor and analyze real-time financial market data.



State Street

• United States
• Financial Services
• 700 & Above Employee

• Liquidity Risk Management Intern

  • Jun 2017 - Aug 2017

  Boston, MA • Developed and prepared daily and monthly liquidity and liability metrics • Assisted with the production of daily and monthly reporting to senior management and regulators • Analyzed complex liquidity metrics and presented results • Assisted with the automation of existing Excel model and inventory tools • Assisted with the preparation of ALCO, daily funding management reporting, and various other treasury and ad-hoc analyses and presentations requested by senior management

• Corporate Finance Intern

  • Jun 2016 - Aug 2016

  Boston, MA • Observed and assisted in the month-end close with a focus on analysis of fluctuation of various income statement and balance sheet accounts • Assisted with various monthly and quarterly external and internal management reports • Observed and assisted with the reconciliation of various account balances • Analyzed and gained an understanding of financial results • Documented and maintained procedures relating to reports and presentations • Gained exposure to analytical tools and… Show more • Observed and assisted in the month-end close with a focus on analysis of fluctuation of various income statement and balance sheet accounts • Assisted with various monthly and quarterly external and internal management reports • Observed and assisted with the reconciliation of various account balances • Analyzed and gained an understanding of financial results • Documented and maintained procedures relating to reports and presentations • Gained exposure to analytical tools and learned how to drill into the Corporation’s financial records and evaluate its performance Show less