Experience

MutualOne Bank

• United States
• Banking
• 1 - 100 Employee

• Senior Commercial Credit Analyst

  • Nov 2021 - Present

• Commercial Credit Analyst

  • Jul 2018 - Oct 2021



Wellesley Bank

• United States
• Investment Management

• Commercial Credit Analyst

  • Apr 2017 - Jul 2018

• Junior Commercial Credit Analyst

  • Nov 2015 - Apr 2017

  • Analyze financial statements and supplementary information, to perform detailed evaluation of customer’s credit capacities, as well as provide detailed reports highlighting the financial condition of perspective and existing borrowers. Within a timely manner, perform a detailed analysis of a borrower’s Balance Sheet, Income Statement, and Statement of Cash Flow.• Complete commercial loan analysis for clients with various loan requests such as C&I, CREM’s, and speculative residential construction products. • Review trends in the borrowers business and industry comparing historical data, and discuss any variances with commercial lenders. • Spread financial statements and prepare summaries and opinions for commercial lenders. • Ensure adherence to loan policy and risk management goals of the bank.• Initiate credit inquiries for review to determine risk. • Collaborate with relationship managers in structuring and assessing loan proposals for formal presentation. • Review credit files for compliance with data integrity. • Assist with asset quality reporting, annual relationship reviews, and other portfolio management duties. • Consult with lenders and clients on occasion on or off site.

• Senior Premier Banker

  • Sep 2014 - Nov 2015

  Promoted due to exceptional client service. Oversee entire teller line to ensure accuracy and efficiency. Assist premier bankers in researching discrepancies and client inquiries. Custodian of vault cash, including ordering, receiving and verifying both incoming and outgoing shipments. Maintain cash in vault and distribute to premier bankers as needed. Help reconcile client’s DDA/Commercial accounts

• Premier Banker

  • Oct 2013 - Aug 2014

  Successfully conduct a wide range of transaction for both customers and supervisors with accuracy and efficiency. Remain informed on new and current products in order to best assist customers. Provide excellent customer service by maintaining a positive attitude and friendly demeanor both on the phone and in person while dealing with customers and co-workers. Successfully build relationship with customers to maintain their trust and the banks image. Diligently process mortgage and consumer loans. Research customers accounts to find discrepancies or problems.