Experience

Citizens Independent Bank
• United States
• Banking
• 1 - 100 Employee
• Sr Credit Analyst

  • Jun 2022 - Present

Kensington Bank
• United States
• Banking
• 1 - 100 Employee
• Credit Analyst

  • May 2020 - Jun 2022


American National Bank of Minnesota

• United States
• Banking
• 1 - 100 Employee

• Corporate Credit Analyst

  • Oct 2018 - Feb 2020

  - Worked directly with VP of Credit Administration to maintain credit standards related to bank credit policy - Prepared and presented monthly reports for monthly Board of Directors meeting - Reviewed credit write ups for accuracy and credit policy consistency prior to Senior Credit Officer or Loan Committee approval - Provided support to all bank branches to complete credit write ups, annual reviews and real estate evaluations - Completed yearly Cash Flow audits for new loans - Created and implemented escrow related policies and procedures as well as trained new employees in monitoring and paying escrowed notes - Banks main point of contact for SBA and MN Housing Fix Up loan programs - Created bank reports to monitor specific loan concentrations and consistent loan reporting Show less



Venture Bank

• Banking

• Credit Analyst I

  • Oct 2017 - Aug 2018

  - Conduct extensive credit review on existing and prospective customers prior to recommending a credit decision. - Performed credit analysis on credit relationships including annual reviews, renewals and new loan requests ranging from $50M-$5.0M. - Prepare formal loan presentation and forward to appropriate approving party. - Spread financial information and prepare cash flow analysis from financial statements and tax returns for businesses and individuals. - Performs economic and industry analyses, financial projections and risk assessments. - Assist with the maintenance of credit files which include testing covenants and updating financial ticklers. - Demonstrates a solid knowledge of C&I loans, CRE loans and SBA loans. Show less



Maple Bank

• United States
• Banking

• Commercial Credit Analyst

  • Mar 2017 - Oct 2017

  • Accurately spread financial information for current and prospective clients. • Create and/or modify existing credit presentations with current financial information • Identify potential risks/trends based on financial information • Distribute final credit presentations to respective banker and Chief Credit Officer for review • Completed all appraisal reviews for entire lending department • Accurately spread financial information for current and prospective clients. • Create and/or modify existing credit presentations with current financial information • Identify potential risks/trends based on financial information • Distribute final credit presentations to respective banker and Chief Credit Officer for review • Completed all appraisal reviews for entire lending department



Alerus Financial

• United States
• Banking
• 1 - 100 Employee

• Credit Analyst

  • Feb 2015 - Mar 2017

  • Work with Credit Administrator to obtain required financial information data from borrowers and guarantors • Accurately spread financial information data into the appropriate spreading tool and review results. Print reports and review spreads for accuracy. Compare borrower’s financial position to industry peer group. Develop understanding of borrower’s financial position and determine relevant key financial ratios. • Verify compliance with loan agreement covenants and update bank tracking systems accordingly. • Identify potential risk ratings changes in a timely fashion. • Distribute and communicate resulting file document, reports, spreads, and borrower financial information to underwriter for review. • Complete ongoing borrower interim financial and collateral reviews and report findings to underwriting. Show less



Wells Fargo Home Mortgage

• United States
• Banking

• Loan Doc Specialist/ Loan Procesor

  • Jul 2010 - Feb 2015

  Loan Processor for Conventional and Government Loans. Main point of contact for borrowers. Loan Processor for Conventional and Government Loans. Main point of contact for borrowers.