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Credit Analyst

Pompano Beach, Florida, 33064, United States
October 24, 2016

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Jacob B. Werman

**** ** **** ***., ********** Point, Florida 33064

T: 954-***-**** E:


Rutgers University May 2015

Bachelor of Arts Major in Economics, Minor in Entrepreneurship New Brunswick, NJ

Relevant classwork includes:

oFinancial Economics, Economics of Public Policy, Health Economics, Econometrics, Intermediate Microeconomics & Macroeconomics, Industrial Organization, International Economics, Money & Banking, Finance & Accounting for entrepreneurs, Financial Accounting, Managing Growing Ventures.


Rapid Capital Funding July 2015-Current

Credit Analyst North Miami, FL

Responsible for analyzing credit and financial reports to determine risk involved in providing working capital to existing and new clients by analyzing data to determine factors such as viability, cyclicality, frequency of cash flow and strength of industry.

Analyze client credit history, credit score and determine the quantity of capital they are approved for and use financial models incorporating earnings and risk factors to determine plausible terms for extending capital.

Price deals after scrutinizing financial data, prior funding performance (if applicable), industry environment assessment and background search to determine underlying risk and clients’ reliability to pay back capital extended.

Morgan Stanley May 2013 - June 2015

Intern/Client Service Associate New Brunswick, NJ

Promoted to role Client Service Associate with the Black Shafer group

Reevaluated current client positions and prepared portfolio modifications for $250MM

Acquired 500K of Assets Under Management through liquidity solutions; Securities Based Lending

Participated in MS Consulting Group and Global Investment Committee Strategy Sessions

Established functional expertise using MS proprietary software ModelWare, Capital IQ, Thompson One and building persuasive PowerPoint decks for Clients and Financial Advisors.

Empire Lacrosse Club Summers 2010-2012

Club Coach Ft. Lauderdale, FL

Taught and coached one hundred boys from the ages of 13-18

Developed meaningful relationships with players and parents through private instruction


Rutgers Men’s Lacrosse Team 2011-present

Division I Student-Athlete, a weekly commitment of 25-40 hours for practice, travel, competition, team meetings, extra workouts, etc.

Named to Big-East All-Academic Team as a freshman (2011-12) and junior (2013-14) Big Ten All-Academic team Senior year (2014-15)

Earned the team’s “Collins Award,” for showing greatest academic improvement in one year

U.S. Lacrosse High School All-American, Miami Herald Broward County, FL Player of the Year


MS Office (Word, Excel, PowerPoint)

Ability to handle pressure and meet deadlines; highly coachable, excellent communication and organizational skills; strong work ethic and team mentality


Yoga, Veganism. Surfing, & paddle boarding.

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