Credit Analyst
Resume:
DANIEL VINING
************@*****.***
Tacoma, WA
Skills:
Initiative & Problem Solving
Time/Task Management
Business Development
Financial Analysis
Microsoft Office Suite:
Excel - Intermediary / Advanced
Word - Advanced
PowerPoint - Advanced
Training/Certifications:
Liberty University
2007-2008 - 30 Credits
Tacoma Community College
2016-Present - 55 Credits
*Pursuing a major in Finance
Leadership Experience:
Board Member
- City of Olympia PBIA Advisory
Board
Board Member
-Young Professional’s Network
Omega Training:
-Financial Accounting for
Lenders
Washington Banker’s Assoc:
-Credit Analysis Development
Program
THURSTON FIRST BANK, A DIVISION OF COMMENCEMENT BANK 10.2014 - PRESENT
CREDIT ANALYST 04.2017 - Present
Analyze financials of partnerships, corporations, and individuals to assess the liquidity, leverage, cash flow, operations, collateral (A/R, inventory, equipment, & real estate), and asset management to determine and mitigate the lending opportunities and potential risks. Prepare and underwrite credit memorandums for C&I and CRE financing requests. Perform portfolio monitoring activities including trend analysis, verifying BBCs, testing covenants, and certifying risk ratings. Ensure compliance with applicable lending regulations and internal policies.
Built an Excel-based CRE evaluation form that was implemented across the institution to streamline the annual review process and ensure data integrity. CASH MANAGEMENT ASSOCIATE 11.2016 04.2017
Facilitated the data and system migration of cash management services for a portfolio of +40 business and consumer clients for the merger of Thurston First and Commencement Bank. Developed a spreadsheet in Excel to track the progress of the assigned project. Remotely logged-in to client’s computers and assisted with the installation of software and setup of hardware for cash management services (e.g. RDC, Mobile Capture, ACH processing,
& online banking). Reviewed and approved transactions via various EFT channels. BUSINESS DEVELOPMENT OFFICER 10.2014 - 11.2016
Acquired +$5MM in business DDA accounts by professional networking, cold-calling, and value based selling activities.
Conducted market analysis and presented a new series of competitive consumer deposit accounts that were implemented into the bank’s product line. Reviewed legal organizing and formation documents to ensure regulatory compliance. AMERICA’S CREDIT UNION
06.2013 - 10.2014
System Experience:
Phoenix
Symitar
Moody’s Analytics
Buker’s Tax Analysis
Finastra (D+H)
GoToMyPC
Accusystems
Docusign
Adobe
FIRST CITIZEN’S BANK
05.2010 - 06.2013
Education
BRANCH OPERATIONS SUPERVISOR 01.2014-10.2014
SENIOR SERVICE REPRESENTATIVE 06.2013 - 01.2014
Led and coached a team of 3 in teller services, account opening, sales, consumer lending, and regulatory compliance.
Originated, funded, and audited multiple consumer trade lines. Focused on growing the branch’s monthly loan volume to 6-figures per month. Developed branch goals and implemented incentive plans. SALES & SERVICE REPRESENTATIVE
Served as vault teller and back-up to the operations manager and new accounts representative.
Assisted in achieving branch growth and profitability goals by executing the branch’s marketing and business development leads and cold-calling on prospective business clients.
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