Credit Analyst

Jarod M Hayes

*** ** **** ****** 612-***-****

Des Moines, IA 50312 *****.*.*****@*****.***

SUMMARY

Finance professional with 5 years of experience in credit analysis.

. Proven success in building relationships with customers, management, and

co-workers with the ability to present findings to management

. Strong analytical, finance, accounting, and accounting skills

. Excellent written, oral, presentation and interpersonal communication

skills

. Strong computer skills including Microsoft Excel, Word, Access, and

PowerPoint

. Good problem solving skills and the ability to prioritize multiple tasks

. Ability to work under pressure and meet deadlines on a team or

individually

. Demonstrated ability to complete quantitative analysis using multiple

data sources

. Knowledge of spreadsheet creation and manipulation of data

EDUCATION

Bachelor of Business Administration, University of Wisconsin-Madison,

Madison, WI

Double Major: finance and real estate

Areas of study: finance, real estate, accounting, statistics,

marketing, and operations

EXPERIENCE

Wells Fargo November 2011 - current

Research/Remediation Analyst (short-term), West Des Moines, IA (November

2013 - current)

. Work directly with attorney and line of business to reconcile refunds

for remediation efforts

. Review and analyze accounts and attorney documents for accuracy

. Experience with ECaR, Shaw, Hogan, CACS and OIB

Consumer Loan Underwriter, Raleigh, NC (November 2011 - November 2013)

. Underwrote residential mortgages within company, Freddie Mac, and Fannie

Mae guidelines with an authority level of 4C with the ability to manual

underwrite and approve exceptions

. Won awards for service excellence in communicating with other team

members and having a high quality rating

. Analyzed advanced financial statements, credit reports, financial

ratios, and tax returns (both residential and business)

. Advanced knowledge of asset analysis of all types and the ability to use

compensating factors to determine if layered risk can be offset

. Experienced in talking with the borrower about the loan decision

CitiGroup, Las Vegas, NV January 2011 - November 2011

Credit Underwriter

. Experienced in reviewing single family, multifamily, condo, and

manufactured home appraisals including non-conforming portfolio loans

. Communicated professionally with loan officers and loan processors

. Utilized reports from 3rd party vendors that included market analysis,

risk estimates, recent neighborhood sales data, aerial maps, and area

appreciation/decline rates

Wells Fargo January 2009 - January 2011

Consumer Loan Underwriter, San Bernardino, CA (September 2010 - January

2011)

. Underwrote mortgages under the Home Affordable Refinance Program (HARP)

. Proactively managed a pipeline of loans in order to meet deadlines

. Utilized automated underwriting scoring systems and financial ratios to

assist in loan decisions

Consumer Loan Underwriter, Las Vegas, NV (June 2009 - February 2010)

. Underwrote FHA mortgages according to Wells Fargo and HUD guidelines

. Built strong relationships with loan officers

. Gained strong credit underwriting skills

Collateral Underwriter, Minneapolis, MN (January 2009 - June 2009)

. Learned Wells Fargo and investor collateral guidelines

. Reviewed single family, multifamily, condo, and manufactured home

appraisals

. Made decisions regarding if the collateral was acceptable to Wells Fargo

and investors

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