Benjamin G. Davis

Email: acowlc@r.postjobfree.com ** Charnwood Rd.

Cell: (508) 431- 4569 Somerville, MA 02144

Professional Experience

Cambridge Savings Bank Cambridge, MA

Financial Risk Analyst Officer December, 2014 – Present

Prepare comprehensive industry white papers, typically including:

o Regional Population Analysis o Regional Economic Trends

o Demographic Analysis o Market Trends

o Portfolio Analysis o Stress Testing

Coordinate between multiple departments for continued improvement of the bank’s data

management and reporting capabilities.

Senior Commercial Credit Analyst Officer June, 2013 – November, 2014

Act in a leadership capacity to advise and train more junior credit analyst.

Prepare written credit proposals for presentation to the Board of Directors and internal approval

committees, including:

o Commercial Loan Structure o Borrowers History and Background

o Ownership Structures of Borrowers o Real Estate Market Analysis

o Projected Financial Performances o Historical Financial Performance

o Collateral Valuations o Debt Service Coverage Analysis

o Construction Budgets o Personal Financial Statements

Perform focused analysis on potential real estate development project, including construction

and financing distribution schedules, market dynamics, and the means and motivations of the

various parties involved.

Commercial Credit Analyst Officer August, 2012 – June, 2013

Focusing primarily on commercial real estate transactions from all asset classes including

multifamily, office, mixed use, and ground-up development projects and asset repositioning.

Interpret, gather, and reconcile information from various sources including broker packages &

presentations, real estate appraisals, rent rolls, tenant leases, historical & projected statements,

and construction schedules & budgets.

Mansfield Cooperative Bank Mansfield, MA

Commercial Financial Analyst & Portfolio Admin. December, 2009 – August, 2012

Analyze and interpret various forms of financial statements, tax returns, and financial

projections to perform financial and trend analysis of perspective and current customers.

Collaborate with lenders and customers to restructure problem accounts and structure new loans

to minimize credit risk, including utilizing SBA guarantees and 504 financing.

Manage a loan portfolio of over $2,000,000 comprised of real estate and commercial &

industrial loans to over 30 small and medium sized businesses.

Manage the implementation of Onepoint database software to track reporting requirements and

automate customer financial request letter procedures.

RBS Citizens N.A. Smithfield, RI

Credit Services Analyst I August, 2007 – October, 2009

Gathered and interpreted financial statements and projections from privately held and publicly

traded corporate borrowers, foreign and domestic.

Corresponded internationally with the Royal Bank of Scotland and compile credit packages and

other documentation for international credit review meetings.

Collaborated with multiple departments to organize and assemble materials for regional

watched asset review meetings, including hundreds of presentations and require tracking of

more than 2000 commercial credits.

Educational Achievements

Boston University Boston, MA

Certificate of Real Estate Finance Candidate, 2015

Johnson & Wales University Providence, RI

Bachelor of Science - Financial Services Management May, 2009

Concentration - International Business

Bachelor of Science – Entrepreneurship May, 2009

Concentration – Economics

Magna Cum-Laude Graduate Cumulative GPA – 3.76

Additional Qualifications & Certification

Eagle Scout Daniel Webster Council July, 2004

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