Customer Service Analyst

Steven Bastine

**** ***** **** ****** *******, TX 77072

Home: 281-***-**** *****@*****.***

AREAS OF EXPERTISE

Client Service ■ Forecasting ■Analyze Complex Investment Concepts ■ Cost Control ■ Business Analysis

■ Stocks/Equity and Commodity Research and Settlements ■ Training/Development

PROFESSIONAL HISTORY

Trade Settlement Associate Houston, Texas

Virtus Partners 2/13- 11/1/13

Monitor and manage large volumes of multi-million dollar European and North American trades in the

LMA/LSTA market dealing with multiple foreign exchange currencies stocks and commodities.

Handle trade settlements closings by communicating with internal and external parties

including analyst, associates, legal counsel, traders, CEO’s and banking presidents.

Review open trades report to ensure timely settlements; by reviewing comments of open

trades to ensure follow-ups are being made for using databases such as Bloomberg, Clear

par, CDO Suite, and Nexus to review notices from the agent and credit agreements.

Process and reconcile pending trades to clients trade tickets/blotters and bank blotters

Return excess principal in lieu of requesting funding by required deadlines, updating fee

calculations on Excel spreadsheets as needed regarding FX exposures, reconciliations,

and swaps on a daily basis, to release cash flows daily amongst reviewing funding

memos for discrepancies prior to settlement.

Review KYC packets and resourcefully provide assistance to various groups who

routinely have inquiries.

Monitor activity status of the World Markets and follow compliance guidelines by

reviewing the LSTA/LMA site, attend conferences for updates on new trends with regards

to settlements of stocks and commodities.

Loan Analyst, Plus 4 Credit Union Houston, Texas

9/11-

2/13

Analyze information about members to ensure credit decision is made regarding the borrower and the

probability of repayment.

Analyze trends from balance sheets, income statements and cash flow statements to

determine financial condition and debt service coverage of borrower relationships.

Determined reasons for non-payment, negotiating payment arrangements, offering

suggestions to customers on how to meet their obligations and advising them as to the

possible consequences of not meeting the obligations.

Increased collection rate percentage and loan approval rate percentage to obtain.

Managed a portfolio queue on charge-offs, past due amounts on Auto Finance, Home

Mortgages, Signature Loans, and Line of Credit accounts that are long term delinquent

accounts not paid as promised by consumers and businesses.

Conduct written reviews of borrower relationships to summarize credit quality based on

financial trends; conduct portfolio reviews of small business loans, Auto Finance, Home

Mortgages, Signature Loans, and Line of Credit.

Process accounting ach transactions payments to the general ledger.

Financial Services Representative, Plus 4 Credit Union Houston, Texas

8/10-

9/11

Provided a full range of services to members and prospective members with emphasis on selling new

accounts and consumer loan products.

Interviewed loan applications and utilized credit scoring technique in loan decisions as

well as prepare all approved consumer loans for funding.

Open and process new membership and time deposit accounts, including IRAs,

certificates of deposit and money market accounts.

Educate members on our services and promotions, answer questions and direct members

to appropriate department for specialized services.

Create and maintain month-end compliance reports.

Balance cashier checks, debit cards and ATM transactions.

Assist in performing Teller monthly cash audits, vault balancing, conducting interviews

and setting up contests.

Actively participate in community relations activities to represent the credit union

Auto Finance Analyst, J.P. Morgan Chase Houston, Texas

7/07-1/10

Managed a portfolio queue in between a million and twenty million dollars on past due amounts on Auto

Finance accounts that are long term delinquent accounts not paid as promised by consumers and

businesses.

Conduct business to business collections and maintain professional relationships with

A/R and A/P personnel.

Negotiated payment arrangements, offering suggestions to customers on how to meet

their obligations.

Increased collection rate percentage to obtain.

Conducted regular meetings with other Unit Managers and staff to foster team building

and to convey business objectives, holding team members accountable for obtaining

goals.

Handle and help format systematic approaches with A/R and A/P in spreadsheet formats

using SAP.

Engage customers and elicit requirements within the scope of approved development

methodologies to determine credit worthiness of the borrower and the probability of

repayment.

Ensured effective two way communication within the project teams, and with internal

customers and maintenance of project documentation.

Act as a liaison between the technical team and the business users by translating technical

specifications into functional requirements and vice versa

Assisted with the borrowing and loan repayment for commercial fleet vehicles on

commercial accounts.

Loan Analyst, Alt Mortgage Houston, Texas

9/03-3/07

Analyze information about clients to ensure decision is made regarding the creditworthiness of the

borrower and the probability of repayment.

Provide guidance to prospective loan applicants who have problems qualifying for

traditional loans.

Determine the most appropriate type of loan for a particular customer and explaining

specific requirements and restrictions associated with the loan.

Manage workflow and process to ensure all aspects of loans assigned, are managed in

governance with loan documentation and policy and procedures.

Find potential clients and assist them in applying for loans as well as manage other agents

Prepare correspondence to Investors and Borrowers .

Review Commercial loan documents and provide customer service to clients

Manage Investor and Borrower Relationships.

EDUCATION

Masters of Business Administration with a Concentration in

Technology Management University of Phoenix

9/12

Bachelor of Business Administration Degree in Finance University of Houston

5/07

Computer Skills

MS Word, MS Power Point, MS Excel, & MS Access Lotus Notes. Oracle, Cleapar, CDO Suite,

Bloomberg, ICAF Systems, E-oscar, Nexus, SAP.

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