Dianna Terry

**** ****** **. #***

San Diego, CA 92108

832-***-****

acor83@r.postjobfree.com

Summary

Over 10 years working as Credit Analyst performing financial analysis for U.S. Small Business Administration loan programs

Over 15 years experience in various administrative, analytical positions, including mortgage banking, quality control,commercial real estate, and energy industries

Skills

Proficient in Microsoft Office applications, working knowledge of GAAP, strong communication, problem solving and

analytical skills, forecasting/budgeting, financial analysis and reporting

Professional Experience

CDC Small Business Finance - San Diego, CA 10/03- 10/14

Credit Analyst

• Analyzed small business and related affiliate tax returns and financial statements for identification of positive and

negative financial trends, transactions, or events that would have an impact on the future operations and financial

health of the applicant company as it relates to the proposed loan

• Analyzed the individual loan applicant's personal financial position by reviewing personal tax returns, Personal

Financial Statements, credit reports and or bank statements for identification of positive and negative financial

trends, transactions, or events that would have an impact on the future operations and financial health of the

applicant company as it relates to the proposed loan

• Created business and personal cash flow analysis

• Stayed current on SBA SOP changes and updates for various SBA government programs (504 and 7a)

• Prepared written credit memorandums recommending approval of loans for various SBA loan programs

• Reviewed appraisal, environmental reports, construction and equipment bids and leases for accuracy

• Communication with all levels of internal and external customers and management

Sempra Energy Solutions - San Diego, CA 04/01 - 9/03

Credit Risk Analyst

• Worked with Director of Credit Risk in establishing and improving Credit Risk Department

• Performed on-going reviews and preliminary analysis of commercial and industrial accounts, including financial

statement analysis, income and expense summaries, cash flow analysis and comparative trending

• Established credit limits and monitored credit limits to insure creditworthy counterparties stay within prescribed

guidelines

• Created and implemented Credit Scoring Models to enhance review process of companies

• Worked with Regional sales staff and internal departments to insure quality customers are added to the Company

portfolio

• Reviewed newly executed sales contracts for accuracy and compliance with corporate standards

• Created and maintained various production reports

Churchill Mortgage of San Diego Inc - San Diego, CA 8/98 - 4/01

Financial Analyst - Commercial Real Estate

• Worked with two-three loan officers in analysis of commercial properties

• Performed underwriting proforma analysis, cash flow analysis, income and expense summaries for commercial

properties

• Lease analysis and preparation of lease abstracts

• Prepared market summaries and presentation packages to lenders

• Performed commercial property inspections

Education

B.B.A. Sam Houston State University Huntsville, TX 1983

• Major Finance Minor: Economics

• Overall GPA 3.7 (4.0 basis)

• Westchester Sr High School, Houston Texas 1976-1979

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