Credit Analyst II

Kandra Yvette Hoston

**** ******* **** ****, *** 515 803-***-****

Columbia, SC 29223 ******.******@*****.***

Self-motivated financial professional proficient in assessing risk associated with commercial lending relationships, with a primary focus on large, complex transactions.

Highlights/Skills

Exceptional knowledge of financial analysis, including reviewing business and personal financial data and modelling cash flow.

Strong analytical skills and problem solving ability, with history of handling large dollar and complex transactions.

Strong written communicator with experience organizing complex information in a concise, meaningful format, utilizing Microsoft Word and Excel applications.

Energetic leader with an affinity for establishing and exceeding personal goals.

Thrives in a high pressure, deadline oriented environment.

Experience

Credit Analyst II, AgFirst Farm Credit Bank, Columbia, SC February 2015 - Present

Conducted qualitative and quantitative evaluations of credit structure, margin and ratio performance, and business strategy for current and prospective borrowers in a $3.9 billion participation portfolio.

Independently rendered credit decisions for lending relationships up to $2 million and collaborated with colleagues to deliver credit decisions for lending relationships up to $20 million.

Presented results of analytical due diligence for large and/or complex lending relationships to the Bank’s executive and loan committees.

Provided leadership and training to junior credit analysts regarding various credit topics, including credit structuring, qualitative and quantitative due diligence, and the Bank’s credit policies.

Represented the bank at lenders meetings for capital markets transactions and industry conferences.

Developed expertise in agricultural and related industries, including grains, greenhouses, and proteins through attending lender meetings and industry conferences and following various online and print publications.

Commercial Credit Analyst, First Community Bank, Bluefield, VA October 2010 – February 2015

Analyzed historical and projected financial data and presented findings in a logical, organized manner in order to assess the risk associated with commercial banking relationships of $1,000,000 and greater.

Assessed the feasibility of commercial projects based on industry and market data obtained from third-parties and due diligence items such as appraisals and environmental assessments.

Trained newly hired lending personnel, including credit analysts and lending staff, in regards to credit analysis and the Bank’s credit policies.

Assisted market personnel in the selection and management of customer relationships, including the pre-underwriting and structuring of commercial loan requests.

Server, Midland Food Services (Pizza Hut), Princeton, WV May 2007 – December 2010

Managed the entire customer experience for dine-in customers in a fast-paced, high pressure environment. Responsibilities included the input and delivery of orders, processing of cash and credit card transactions, and maintaining safe and hygienic customer contact areas.

Education

Concord University, Athens, WV, BS in Business Administration, Finance August 2008 – May 2010

Dean’s List, 4 Semesters, 3.82 GPA

Marshall University, Huntington, WV, Accounting Major, Transferred August 2006 – May 2008

Dean’s List, 4 Semesters, 3.93 GPA

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