Experience

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  Birkenstock USA, LP

  • Novato, CA

  • Sr. Credit Analyst

    • Dec 2019 - Present
    • Novato, CA

    Responsible for the management of a large portfolio of over 400 accounts. In charge of risk assessment on major/strategic accounts through the use of agency reports and in-depth review of company financial statements.

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  Flexible Funding

  • San Francisco, California

  • Credit/Collateral Analyst

    • Jul 2019 - Dec 2019
    • San Francisco, California

    Provided support to the operations department of Flexible Funding through written and verbal verification of accounts receivable, leading the collection of accounts receivables in a liquidation scenario, and responding to written credit inquiries for our clients. Responsible for credit evaluation of new and existing clients through the use of business credit reports and evaluation of company financial statements

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  SoFi

  • Healdsburg, California

  • Credit Underwriting Analyst

    • Dec 2016 - Dec 2018
    • Healdsburg, California

    My duties at SoFi included the analysis and evaluation of incoming loan applications based on SoFi and Fannie Mae guidelines. Analyze income, tax returns (with K-1 analysis), credit, assets and appraisals to determine borrower’s credit worthiness and ability to repay loan on agreed terms. Mitigate credit risk by conducting a thorough and prudent review of each loan file for compliance with applicable federal and state laws. Work with senior management on constantly improving efficiencies to create a seamless and transparent member experience.

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  Chase

  • Napa, California

  • Mortgage Banker

    • Mar 2006 - Dec 2016
    • Napa, California

    With Chase I originated, and serviced a large book of business for the Napa CA branch within mortgage banking. My responsibilities were to attract new clients through "walk in" business, realtor meetings and home-buyer seminars. Assisted clients in determining which type of mortgage best met their needs. I was the ultimate team player working closely with bank partners to cross sell all bank products in addition to mortgage.

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  Fireman's Fund Insurance Company

  • Novato Ca

  • Senior Financial Analyst

    • May 1993 - Mar 2001
    • Novato Ca

    Comprehensive credit and cashflow analysis of Fortune 500 companies for the Corporate Credit Department in order to determine risk rating and collateral requirements. The analysis included companies from every industry. Some past clients included: The Oakland A's and The Los Angeles Dodgers.

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  United States Leasing Corporation

  • San Francisco, California

  • Credit Manager

    • Feb 1985 - Oct 1990
    • San Francisco, California

    Assessed credit risk through financial statement and cash flow analysis. Analyzed prospective lessee through credit bureau reports, tax returns and financial statements to determine optimal contractual terms for the company and lessee. Monitored corporate lending practices to ensure compliance with all legal and regulatory requirements.