Nathaniel Breece
Associate Underwriter at Accord Financial Corp.- Claim this Profile
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Bio
Credentials
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Data Science with SQL and Tableau
Cornell University
Experience
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Accord Financial Corp.
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Canada
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Financial Services
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1 - 100 Employee
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Associate Underwriter
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Jun 2022 - Present
✅ While acting as Associate Underwriter, my day-to-day responsibilities are the following: As a team member, I analyze collateral reports, financial statements, and other critical information. In addition, my responsibilities include documentation of credit request for new and existing clients. ✪ The following are my renowned contributions ✪ ➤ Manage an existing client portfolio with commitments exceeding $20MM. ➤ Maintain responsibility for the completion and accuracy of monthly portfolio review reports, desk audits, regulatory reporting, and other information requests. ➤ Responsible for analyzing potential credit requests and draft Credit Committee Memos. Complete due diligence diligence and underwriting for prospective clients. Manage risk of existing client portfolios to ensure covenant compliance, accurate financial reporting, and accurate presentation of collateral material. Show less
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BOK Financial
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United States
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Financial Services
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700 & Above Employee
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Underwriting Analyst
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Mar 2020 - Jun 2022
✅ While acting as Underwriting Analyst, my day-to-day responsibilities were the following:As a team member, I create and deliver all commitment reports for specified loans, as well as participate in committee presentations. While communicating with loan committees, provide more information to aid in decision-making. Monitor sensitive client accounts that impact the division's lending profitability. Plan and perform loan pricing analyses, as well as deliver efficient loan and credit structuring suggestions to relationship managers. Utilize Salesforce to maintain the integrity and confidentiality of customer and prospect information. Conduct market research and conduct in-depth industry analysis in order to find and monitor prospective consumers. ✪ The following are my renowned contributions ✪➤ Oversaw all facets of financial and specialized analysis of more complex credits/loans over $5 million.➤ Facilitated the bank's underwriting of approximately $150MM in additional commitments. ➤ As a relationship manager replacement, I was responsible for proposing loan renewals to management and the loan committee.➤ While liaising with the loan documentation team, maintained efficient/economical documentation.➤ Assured regulatory compliance while notifying RM of any non-compliance concerns. Show less
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Collateral Analyst
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Oct 2018 - Mar 2020
✅ As a Collateral Analyst, I was responsible for: Effectively facilitated month-end processing and reconciliation of interest billings and reports by ensuring the accuracy of the borrowing base certificates given by customers. Analyzed and assessed the loan activities of clients, set up money transfers, and checked collateral reports that clients provided.✪ My key successes during this role were ✪➤ Maintained a portfolio of $125 million in pledges and more than $100 million in outstanding debt.➤ Verified customers' incoming cash receipts by evaluating lockbox and cash collateral accounts. ➤ Notified upper management of any non-compliance concerns in order to maintain a high standard of portfolio management. ➤ Consolidated monthly accounts receivable aging and inventory reporting in order to facilitate prompt decision-making. Show less
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CoBiz Financial
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United States
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Financial Services
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1 - 100 Employee
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Internal Audit Intern
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Jun 2018 - Sep 2018
Follow a prescribed audit program methodology, gather support evidencing the functionality of internal controls, perform audit testing and document results, develop audit work papers in accordance with IIA standards, and issue an opinion on findings. SOX Financial and SOX IT Audit reporting. Identify opportunities for improvements and recommendations. Identify operational risks encountered within an integrated financial services company Follow a prescribed audit program methodology, gather support evidencing the functionality of internal controls, perform audit testing and document results, develop audit work papers in accordance with IIA standards, and issue an opinion on findings. SOX Financial and SOX IT Audit reporting. Identify opportunities for improvements and recommendations. Identify operational risks encountered within an integrated financial services company
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Campus Supervisor/ Head Baseball Coach
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Aug 2015 - Nov 2016
To ensure the safety and security for all students and staff members on campus. I am also the Head Varsity Baseball Coach To ensure the safety and security for all students and staff members on campus. I am also the Head Varsity Baseball Coach
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Veraison Beverage Distributor
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Greater Denver Area
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Fine Wine Specialist
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Jun 2014 - Aug 2015
Build and maintain customer service at both retail and restaurant accounts Increased sales in my territory by 25% from previous year Develop events and incentives to assist both on and off premise accounts more revenue Conduct wine tasting and education seminars for staff and customers for on and off premise accounts Maintain and exceed sales goals and incentives that were handed down from the owner Build and maintain customer service at both retail and restaurant accounts Increased sales in my territory by 25% from previous year Develop events and incentives to assist both on and off premise accounts more revenue Conduct wine tasting and education seminars for staff and customers for on and off premise accounts Maintain and exceed sales goals and incentives that were handed down from the owner
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Alsco Uniforms
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United States
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Textile Manufacturing
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700 & Above Employee
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District Manager
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Jul 2012 - Jun 2014
• Support the service department utilizing all RSR and management responsibilities • Review customers' credit status, collect monies owed for product and partner with Customer Service Department to ensure accounts remain in good standing • Evaluate service procedures and RSR route performance • Assist in the training and development of all RSR’s under supervision • Build and maintain customer loyalty with outstanding customer service • Maintain Service Agreements to be current and renewed • Communicate effectively with Service Management team to be proactive in resolving customer and RSR concerns Show less
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Panera Bread
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United States
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Restaurants
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700 & Above Employee
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Restaurant Manager
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2010 - 2012
• Opening management team member of second drive through location in Denver Market • Certified training specialist and food cost specialist • Location averages $50,000 per week in gross sales • Staffed and trained over 40 full/part time associates in three or more restaurant positions • Developed catering staff and business that averages $3200 is sales a week • Maintained a food cost percentage of a consistent 27% per period • Opening management team member of second drive through location in Denver Market • Certified training specialist and food cost specialist • Location averages $50,000 per week in gross sales • Staffed and trained over 40 full/part time associates in three or more restaurant positions • Developed catering staff and business that averages $3200 is sales a week • Maintained a food cost percentage of a consistent 27% per period
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One Restaurant and Lounge
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Hospitality
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1 - 100 Employee
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General Manager
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Jul 2009 - Jul 2010
Directed the rebuilding of a New York City style restaurant and club concept. Took over all day-to-day operations including staffing, training, purchasing, cost control, payroll, facilities, scheduling, maintenance, marketing/advertising, and customer relations. • Achieved a 20% profit increase within the first six months • Responsible for on and off premises catering sales • Catering sales resulted in an extra $15,000 in revenue over a six month period • Staffed and trained over 40 full/part time associates for both night club and restaurant • Developed a marketing strategy that developed a 30% increase in business over a six month period Show less
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Malio's Prime Steakhouse
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Tampa/St. Petersburg, Florida Area
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General Manager
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Jan 2007 - Jun 2009
Directed opening team to help re-invent a Tampa Bay iconic restaurant. Supervised daily operations at high volume fine dining steakhouse that generated $5 million in sales the first year of operation. • Hired, trained and developed all FOH opening staff • Built and maintained business relationships through out the Tampa Bay Market • Worked with such entities as: Tampa Bay Rays, New York Yankees, Billy Cristal, Bank of America, And many local and chain businesses. • Assisted in marketing and advertising strategies • Implemented new strategies to limit controllable costs • Directed all banquet and off site catering sales Show less
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Marriott International
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United States
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Hospitality
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700 & Above Employee
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Restaurant Manager
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Oct 2004 - Jan 2007
Began as a server for the hotels opening team and moved up to restaurant supervisor within one year. Promoted to Restaurant Manager within a year and six months of opening the hotels doors. • Supervised daily operations in three different hotel food and beverage outlets • Develop restaurant training program for all FOH associates • Directed all AM and PM scheduling for all three F&B outlets • Coordinated all private functions for restaurant and lobby bar • Controlled labor cost to exceed company standards Show less
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Education
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2015 - 2018
Metropolitan State University of Denver
Bachelor of Science (BS), Finance and Financial Management Services
Community
