ANDREA M. GYURISIN

A: **** *th Ave Unit ***, San Diego, CA 92101 P: 202-***-**** E: ad4mfw@r.postjobfree.com SUMMARY

Ms. Gyurisin has over 16 years of blended experience in the commercial, business banking, SBA lending, revenue-based financing, fintech, product management, and consumer lending sectors. Additionally she holds specialized proficiencies including credit analysis/underwriting, loan processing, loan closing, business development, credit modeling, due diligence, payments processing. Her experience is a combination of both the operational aspect as well as the sales and business development segment in various key functionalities of the industry.

EDUCATION:

• MBA (Finance Concentration) - Mount Saint Mary’s University (October 2014)

• B.S. (Economics, Business Administration Minor) Shippensburg University (May 2010) ADDITIONAL TRAINING:

• RMA Lending Academy I (May 2011)

• President, Financial Management Association (Shippensburg U. Chapter) (2009-2010)

• Vice President (2008-2009)

KEY SKILL AREAS

• Credit & Financial Statement Analysis

• Proposal Generation

• Loan Processing

• Consultative Selling Skills

• Loan Documentation and Exception Tracking

• Leadership

• Credit Card Processing

• Risk Analysis & Management

• Prospecting & Business Development

• Commercial Lending & Portfolio Management

• Management-Level Presentation & Decision-Making Skills

• Customer Service Relations

• Collateral Review

• Entrepreneurship

• Credit & Financial Modeling

• Product Management

• Research & Development

COMPUTER SKILLS: MS Office Suite (Advanced Excel, PowerPoint, Outlook, and Word), Rapid, Moody’s, Baker Hill, Laser Pro, Dun & Bradstreet Analytics, Hoover’s, AFS Level III, ACBS, M&I, Interling E3, LP, Finance Center, Fiserv, RIMS, Informative Research, Genesis, Jack Henry, Citrix, STOC, Finance Center, Oracle, Rapid, Colson, CAFS, DCMS 2.0, ETRAN, STARS, Lexis Nexis, Lotus Notes, SalesForce, CoStar, Adobe Acrobat, Notion, Monday.com WORK EXPERIENCE:

U.S Small Business Administration (SBA)

Commercial Loan Specialist (Temporary assignment) (June 2020-Present) Loan Processing & Collateral Review: Processed business loans and made recommendations on collateral needed to secure loans.

Credit & Financial Statement Analysis: Applied accepted financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans. Management-Level Presentation & Decision-Making Skills: Reviewed all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries. Loan Documentation and Exception Tracking- Ensured loan files contained all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions.

Loan Processing: Processed loan applications on CRM mainframe system. Customer Service Relations: Responded orally and/or in writing to applicants or their representatives. Martini.ai

Credit Product Analyst (independent contractor/freelance/part-time (Mar 2023-Oct 2023) Credit & Financial Modeling: Assisted in financial modeling and decisioning criteria for AI-based credit rating platform called Neuratings in the early/development startup stage . Product Management: Collaberated with UI/UX Designers, Developers, and Engineers to build out a user-friendly AI based credit rating platform. Translated needs and functionalities for potential client use cases to to various above mentioned colleagues from a credit and risk-based perspectoive and was given full autonomy of design ideas and platform features. Designed wireframes and process flows using Freeform and submitted to design team for implementation. Research & Development: Maintained potential client demo portfolios on credit rating platform. Performed demo presentations of product and features to potential clients using use cases designed specific to their credit and risk needs. Worked with potential clients to tailor and develop specific features for each use case. Conducted research on mergers/acquisitions for companies listed on platform and tested and audited platfrom for internal/external errors. Prospecting & Business Development: Researched potential future clientele and created a prospect pipeline in internal CRM system. Conducted early stage sales outreach/campaign via phone, email, social media, and in-person conferences.

Zalobin Fine Arts

Founder/Owner (part-time) (Nov 2017-Present)

Entrepreneurship: Zalobin Fine Arts was founded in October 2016 by Andrea Gyurisin with an emphasis on creating one-of-a-kind abstract acrylic-on-canvas pieces using additional mixed media hand and brush stroke texturing and layering techniques. Each piece is crafted by the artist with an energy representing personal style through innermost feeling and intuition. Commissioned works available upon request.

Founders First Capital Partners

Underwriting Associate (FinTech consultant/part-time) (Nov 2021-June 2022) Credit & Financial Statement Analysis: Collaborated with the business development team in coordinating preliminary and final credit analysis, underwriting and risk-rating forecast models. Performed trending and comparative analysis of historical and pro-forma financial data. Loan Documentation and Exception Tracking: Performed tasks necessary to the close transactions, including the preparation of key legal documents.

Management-Level Presentation and Decision-Making Skills: Prepared internal credit review and performed

modeling and structuring of Revenue-Based Financing (RBF) loan products. Prepared memorandums of findings for review by FFCP's Investment Committee. Prospecting & Business Development: Reviewed all relevant diligence materials including financial statements, pitch decks, customer references, company product and service offerings, etc. Conducted diligence calls with prospective borrowers.

Huntington Bank (Heitmeyer Consulting Contractor)

Commercial Loan Specialist (contract) (April 2020-June 2020) Loan Portfolio Management: Worked independently on an assigned loan portfolio and completed transactions within the terms of the executed credit agreement. Monitored processing queues in order to handle requests from HNB business partners. Monitored reports that identified potential issues and worked to resolve issues in a timely manner. Maintained acceptable quality standards Loan Processing: Utilized the bank's systems (AFS, HAWC, etc.) to make corrections/adjustments to commercial loan accounts. Processed financial transactions and balanced batches of work. Loan Documentation Review: Reviewed loan documentation and conducted other research as needed. English First (EF)

English as a Second Language Teacher/Instructor (Contract) (Nov 2018-Dec 2019) Leadership: Filled a one-year contract role as an English instructor for SE Asian children, teens, and adults at a premiere English First (EF) international language center in the Badung and Denpasar regions of Bali, Indonesia as a designated expert Business English instruction facilitator. This role consisted of primary ESL instruction at all levels with the inclusion of preparation and planning lesson materials. The primary objective of the program focused on assisting students to develop listening, reading, speaking, and writing skill in a conversation-based classroom setting. Additional responsibilities included curriculum grading, administering and determining student level placement through testing and critiquing writing submissions.

City National Bank

Consumer Credit Officer I (Mar 2016–Nov 2016)

Credit & Financial Statement Analysis: Identified and assessed risk associated with consumer credits up to $250M in aggregate value. Spread and analyzed personal financial statements. Risk Analysis & Management: Calculated financial ratios in compliance with loan policy. Management-Level Presentation and Decision-Making Skills: Prepared and presented credit analyses and loan presentations for approval.

Loan Documentation and Exception Tracking: Reviewed existing mortgage loan facilities and advised on eligibility for the rate modification process. Re-calculated amortization schedules, reviewed appraisal reports and calculated LTV and CLTV ratios, and prepared loan documentation. Assigned, monitored, and cleared exception tracking for conditions related to consumer facilities. Commercial Loan Processor III – AFS Booking (Mar 2015-Mar 2016) Loan Processing: Reviewed, boarded, and funded term, line and renewal facilities from loan agreements. Processed advances, payments, and payoffs on various commercial loan products. Set up and maintained guarantor records and fee accruals. Balanced work and processed general ledger entries to various cost centers. Processed and set up seasonal limits, tiered commitments, prepayment penalties, and breakage costs. AR accounts receivable reconciliation for review of past due and collections loan accounts and watchlist credits. Working knowledge of AFS Level III & M&I databases. Loan Documentation and Exception Tracking: Reviewed loan documentation for inconsistencies on legal documentation, guarantor, and collateral information; directed to correct internal department for resolution prior to the boarding and funding process. Input and maintained collateral records in STOC database.

First Data Corporation

Business Consultant (Nov 2013 – Jun 2014)

Prospecting & Business Development: Developed and maintained new and existing merchant services relationships with small business owners as a third-party processor for ten regional SunTrust branches in the Northern Virginia territory.

Credit Card Processing: Utilized all aspects of training on standard card processing procedures and equipment in the payment processing industry.

Consultative Selling Skills: Evaluated the payment processing needs of clients in product areas of credit, debit, Telecheck, gift card, data analytics, and cash advance. Applied evaluation results to meet the business needs of client proposals.

Financial Statement Analysis: Collected and analyzed merchant and financial statements to determine pricing mechanisms such as tiered, interchange, and enhanced billback models. Proposal Generation: Developed, presented and applied business solutions in proposal format; including pricing addendum, equipment costs, business strategy, and projected sales modeling. PNC Bank

Commercial Business Banker II / Asst. VP (Jun 2011 – Feb 2012) Prospecting & Business Development: Retained and expanded portfolio of commercial clientele up to

$10MM in annual revenues.

Consultative Selling Skills: Maintained effective relationships with internal service partners to cross-sell bank products (including loan, treasury management, merchant services, cash management, and investment management).Used consultative skills to assess liquidity, payment, and cash flow needs of commercial clientele.

Commercial Lending & Portfolio Management: Analyzed customer financial statements and ratios in conjunction with industry comparison data to meet current internal lending standards. Worked with external credit department to structure loan packages to meet requested borrowing needs of each customer. Maintained customer relationships following loan disbursement. Virginia Heritage Bank

Commercial Credit Analyst (Feb 2011 – Jun 2011)

Credit & Financial Statement Analysis: Underwrote commercial loans by analyzing financial statements and prepared spreads on new, renewal, and loan modification facilities. Prepared written analyses of cash flow projections, liquidity, and industry ratio comparisons. Management-Level Presentation and Decision-Making Skills: Assisted commercial loan officers in loan structuring, modification, and decision processes. Presented loan packages to committee/board members for final approval.

F&M Trust

Commercial Credit Analyst mm (Jun 2010 – Feb 2011) Credit & Financial Statement Analysis: Identified and assessed risk associated with commercial credits up to $25MM in aggregate value. Spread and analyzed financial statements. Prepared cash flow and pro forma projections.

Risk Analysis & Management: Calculated financial ratios in comparison with RMA industry standards. Applied risk factors associated with ratio calculation and translated into proper category in terms of monitoring as part of the repayment process. Management-Level Presentation and Decision-Making Skills: Prepared and presented credit analyses and loan approval documentation for presentation. Calculated financial ratios in comparison with RMA industry standards.

Orrstown Bank

Commercial Loan Processor/ Merchant Services (Apr 2006 – Dec 2008) Credit Card Processing: Maintained merchant sales pipeline, profile maintenance, POS troubleshooting, and chargeback dispute process as an agent bank associated with Elavon Merchant Services.

Loan Processing: Interfaced and prepared Laser Pro commercial loan documentation post-and prior-to loan closing.

Loan Documentation and Exception Tracking: Tracked commercial exception documentation such as UCC, Appraisal Report, Title, Insurance, and other miscellaneous required documentation using Laser Pro and Microsoft Excel spreadsheet systems post- and prior-to loan closing for audit and compliance purposes. Processed payment transactions and maintained customer portfolio using mainframe system. VOLUNTEER/LEADERSHIP ACTIVITIES:

NORC (National Opinion Research Center-University of Chicago) National Research Study Volunteer (1997 – Present) Volunteer/Research: Participate in annual research study conducted by the National Opinion Research Center at the University of Chicago which provides statistical information including social demographics and data for government agencies, non-profit organizations, and private corporations. Edgewater Baptist Church ESL Program

Conversation Partner/ESL Tutor/Volunteer (July 2018-Nov 2018) Volunteer/Adult ESL Tutoring & Mentoring: Acted as a volunteer for a local community non-profit ESL (English as a Secondary Language) tutoring and literacy organization as a conversation partner and tutor. Areas of service include adult education, literacy/reading, reading/writing, financial literacy, and ESL (English as a Secondary Language). Basic English language literacy skills include reading, math, and language skills.

Franklin County Literary Council

ESL Tutor/Volunteer (May 2017-July 2017)

Volunteer/Adult ESL Tutoring & Mentoring: Acted as a volunteer for a local community non-profit ESL (English as a Secondary Language) tutoring and literacy organization. Areas of service include adult education, literacy/reading, reading/writing, financial literacy, and ESL (English as a Secondary Language). Basic English language literacy skills include reading, math, and language skills. Proper clearances obtained.

Leukemia & Lymphoma Society

Annual Leukemia/Lymphoma Walk LA-Griffith Park Volunteer (August 2015) Volunteer/Event Management & Coordination: Assisted with event registration, material distribution, team organization, food and beverage set up, donation and fundraising awareness, and event coordination of one of the largest annual walks benefitting the Leukemia & Lymphoma Society held every year in Griffith Park.

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