Credit Analyst

• Apr 2023 - Present

Financial Institution Specialist

• Sep 2019 - Mar 2023

• Analyzed datasets and evaluated risk management practices at over 30 banks to determine inherent risk levels and assign bank component risk ratings • Calculate on balance sheet liquidity, non-core funding dependence, and funding concentration ratios in order to analyze bank liquidity position and trend • Review sensitivity to market risk, liquidity stress testing, and cash flow forecasting models to ensure appropriateness of modeling assumptions • Evaluate liquidity management and contingent funding procedures to ensure proper liquidity risk management controls • Evaluate bank investment portfolios to determine marketability of securities on financial markets • Conduct meetings with senior management to present examination findings and recommend improvements resulting in enhanced risk management practices • Determine institution compliance with outstanding legal and regulatory requirements • Review bank regulatory reporting data to verify accuracy and uncover any anomalies • Advise bankers on balance sheet management strategies to reduce interest rate risk • Detail examination findings and recommendations for inclusion in the written examination report • Research regulatory questions from bankers and communicate conclusions • Collect and organize examination workpapers in a centralized database • Review examination staff workpapers and report comments for adequacy before final submission • Oversaw the timely completion of three bank examinations while serving as Practice Examiner-in-Charge • Coordinated the loan review team’s analysis of bank loans and ensured completion of appropriate report documentation on two bank examinations • Oversaw the operations team’s evaluation of bank areas such as capital, earnings, liquidity, and sensitivity to market risk on four bank examinations • Passed five bank accounting examinations on the topics of Cash & Investments, Capital & Income, Loans, Subsidiaries, and Audit Show less

Property Management Intern

• May 2018 - Aug 2018

• Identified discrepancies in contracts and recommended corrective policies resulting in a reduction of future expenses and a credit reimbursement of $9,000 • Developed and presented a business plan aimed at reducing Northwoods Mall’s expenses on the Peoria Stormwater Utility in accordance with their credits and grants system • Utilized Adobe Acrobat to create an interactive map of the property’s landscaping for use by contractors bidding for improvement projects • Determined eight potential capital projects and created a proposal requesting funding from the corporate office for budget approval • Constructed detailed digital maps for mall events including the Sunset Farmers Market, Food Truck Festival, and 4th of July Celebration and oversaw the setup of vendors and other event participants • Promoted Northwoods Mall and upcoming mall events using Twitter, Facebook, Instagram, Website, and EMMA email system • Performed administrative tasks such as paying invoices, ordering supplies, and running the front desk Show less

Warehouse Associate

• Jun 2017 - Aug 2017

• Assembled office furniture and distributed it to customers while working in 2-5-person teams • Verified inventory levels of products • Assembled office furniture and distributed it to customers while working in 2-5-person teams • Verified inventory levels of products

College Financial Representative

• Apr 2016 - Sep 2016

• Conducted 15 meetings analyzing clients’ financial positions and created plans to improve their financial security, including adding various insurances and retirement strategies • Achieved certification to sell life and health insurance in the state of Illinois • Collaborated with clients and other financial representatives to coordinate meeting schedules • Attended a four day conference in Champaign, IL for extensive training and team building exercises • Conducted 15 meetings analyzing clients’ financial positions and created plans to improve their financial security, including adding various insurances and retirement strategies • Achieved certification to sell life and health insurance in the state of Illinois • Collaborated with clients and other financial representatives to coordinate meeting schedules • Attended a four day conference in Champaign, IL for extensive training and team building exercises

Door to Door Salesman

• Mar 2013 - May 2013

• Solicited exterior painting services to over 200 potential customers • Solicited exterior painting services to over 200 potential customers