Experience

Platinum Bank

• United States
• Banking
• 1 - 100 Employee

• Credit Analyst

  • May 2018 - Present

  Plymouth I assist Commercial lenders on commercial, SBA, business and personal credit write-ups/presentations ranging in loan size from $100M to $4MM+ to be presented to the credit committee and Senior Credit Committee by the lender. Recently completed the RMA Lending Academy.



Minnesota Bank & Trust, a division of HTLF Bank

• United States
• Banking
• 1 - 100 Employee

• Credit Analyst (Formerly Signature Bank)

  • Jul 2015 - Apr 2018

  Minnetonka AT MN Bank & Trust, formerly Signature Bank, I Assisted Commercial lenders and Business Bankers on commercial, SBA, business and personal credit write-ups/presentations ranging in loan size from $25M to $2MM+ to be presented to the credit committee and board by the lender as well as lease write-ups. Also performed appraisal reviews/real estate evaluations and spread financials to assist lenders. We work on many credit presentations and/or appraisal reviews each week. I also performed file… Show more AT MN Bank & Trust, formerly Signature Bank, I Assisted Commercial lenders and Business Bankers on commercial, SBA, business and personal credit write-ups/presentations ranging in loan size from $25M to $2MM+ to be presented to the credit committee and board by the lender as well as lease write-ups. Also performed appraisal reviews/real estate evaluations and spread financials to assist lenders. We work on many credit presentations and/or appraisal reviews each week. I also performed file comments for lenders when short term extensions are needed or loan structure changes. At each weekly credit committee the lender discusses the presentations we prepared if over $500M. We concentrate on personal cash flow, business cash flow, DSCR, revenue trends, net income trends, guarantor DTI, Assets/liabilities of the business and guarantor, company ratios, credit scores, liquidity and overall loan structure. Working knowledge of Jack Henry Banking system, Synergy, Baker Hill Spreading software and word/excel.

• Operations Analyst

  • Mar 2014 - Jul 2015

  Minnetonka MN Bank Operations Analysts performing back room duties but not limited to the following: various ACH functions, ATM balancing, Netteller, running proof, incoming and outgoing wires from UBB, US Bank and the FED, Master Site, OFAC, Overdrafts and Non-Posts, FED Returns, Synergy reports, HSA's, 3rd party sweep, ELAN, GL entries for various functions, Deposit corrections, various daily maintenance, Jack Henry exception processing, ESI.



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Wells Fargo Home Mortgage Lender

  • Nov 2011 - Mar 2014

  Maple Grove Mortgage consultant helping people live their dream of owning a home whether they were a current home owner or a 1st time buyer. I helped people buy homes or investment properties and refinance their current home, investment property or 2nd homes. I help people with their primary residence, 2nd home, investment property and those looking to purchase a new home. We had many different programs to fit their refinance or purchase needs. I'll did my best to make the process as smooth as possible… Show more Mortgage consultant helping people live their dream of owning a home whether they were a current home owner or a 1st time buyer. I helped people buy homes or investment properties and refinance their current home, investment property or 2nd homes. I help people with their primary residence, 2nd home, investment property and those looking to purchase a new home. We had many different programs to fit their refinance or purchase needs. I'll did my best to make the process as smooth as possible and a great customer experience. Show less



Eagle Community Bank

• Credit Finance

  • Oct 2008 - Nov 2011

  Maple Grove Partner with lenders to help complete annual customer reviews. Evaluate/Analyze financial performance and trend analysis. Manage commercial and consumer loan documentation. Deliver special project support to the Bank President and Senior Lender. Help generate credit concentration, unfunded, past due, FHLB, SBA and month and quarter-end loan reporting. Track tax return collection, rent roll, property tax, and business and personal statements. Oversee payment and wire transfer processing and… Show more Partner with lenders to help complete annual customer reviews. Evaluate/Analyze financial performance and trend analysis. Manage commercial and consumer loan documentation. Deliver special project support to the Bank President and Senior Lender. Help generate credit concentration, unfunded, past due, FHLB, SBA and month and quarter-end loan reporting. Track tax return collection, rent roll, property tax, and business and personal statements. Oversee payment and wire transfer processing and balancing WIP accounts. Perform General Ledger postings and Accounting measures. Conduct residential appraisal reviews. Administer ATM and vault cash auditing. Direct employee training. Maintain highly sensitive confidential data. Lead and develop presentations for Board Members. Work with BSA, AML, OFAC, SARS, REG B and REG CC. Help determine potential risk with loans and make sure loans were in compliance. Show less



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Sales/Consumer Credit Analyst

  • Jun 2006 - Oct 2008

  Eden Prairie Oversaw the analysis of up to 25 consumer loan request applications each day. Analyzed credit bureau, tax returns, and overall credit history data to determine repayment ability. Was responsible for generating additional revenue through optimizing business opportunities with existing clients or new clients. Analyzed consumer financials with prospective customers to provide options on improving their financial situation and needs.



Turfwerks a Division of Davis Equipment

• Territory Sales Manager

  • Jun 1997 - Dec 2005

  St. Paul Territory manager in Central and Northern Minnesota as well as parts of the Twin Cities Metro area calling on clients primarily associated with Golf Courses but also called on Schools, Sports Turf Facilities and Cities for their equipment, fertilizer, chemical and grass seed needs. Managed over 200 accounts for a sales territory producing over $1MM annually. Administered sales of Jacobsen Textron golf course maintenance equipment along with many other brands of equipment such as Smithco, Par… Show more Territory manager in Central and Northern Minnesota as well as parts of the Twin Cities Metro area calling on clients primarily associated with Golf Courses but also called on Schools, Sports Turf Facilities and Cities for their equipment, fertilizer, chemical and grass seed needs. Managed over 200 accounts for a sales territory producing over $1MM annually. Administered sales of Jacobsen Textron golf course maintenance equipment along with many other brands of equipment such as Smithco, Par Aide, National, Foley, Landpride and Turfco. Led product demonstrations for clients and participated in trade shows. Designed presentations for senior management. Maintained expense and call reporting. Secured loan financing through Wells Fargo and Textron Financial. Show less