Commercial Credit Financial Analyst

DEBORAH CONE

**** *. ******* ******, **********, WI 53546

Phone: 608-***-**** Email: ************@*****.***

PROFESSIONAL SUMMARY

I am an achievement-driven financial analyst with a history of producing accurate and timely reports. As an ambitious, detail-oriented worker, I am versed in balancing priorities and meeting deadlines under pressure. I can manage multiple projects while adapting quickly to challenges and changing environments. I have excellent oral and written communication skills as well as proficiency in Microsoft Word and Excel and a variety of other programs. My qualifications for this position include my skills as a commercial credit financial analyst combined with my customer service, and credit administration experience in the banking industry. I will bring a willingness to learn the responsibilities of the position and dedication while providing quality work in a timely manner.

SKILLS

Financial Statement analysis

Trend Analysis

Excellent attention to detail

Financial and operational reporting

Systems aptitude/Microsoft Office, Access, and a variety of other programs

Effective time management/Self-starter

Analytical reasoning

Interpretive skills

Superior verbal and written communication skills

Excellent interpersonal/collaborative skills

Quality customer service skills

Natural leader

Prepare for internal and federal audits

Independent and innovative thinker

EDUCATION

2013 Bachelor of Science: Business/Finance/Accounting

University of Phoenix – Madison, WI GPA – 3.72

WORK HISTORY

03/2010 – Current Commercial Credit Analyst

First National Bank and Trust – Beloit, WI

Conduct financial and legal research and analysis for high net-worth individuals/guarantors, sole proprietorships, partnerships, and corporations.

Analyze financial reports pertaining to cash receipts, expenditures and profit and loss.

Complete annual reviews.

Planned and coordinated logistics and materials for board meetings and committee meetings.

Communicate with Commercial Lenders to acquire the necessary information needed to complete decision making.

Comply with the Bank's Loan Policy and adhere to federal regulations in relation to the banking industry.

Analyze financial statements for accuracy and compliance with GAAP.

Monthly and quarterly financial tracking and reporting.

Assisting Commercial lenders with documentation needs, client servicing, and provide clerical assistance with preparing new reports.

Assist customers with questions or concerns and assist with any other departmental needs.

Deposit and loan operation experience.

Assist employees with problems, questions, or concerns as an Operations Expeditor.

8/2002 to 3/2010 Daycare Provider

Self-Employed – Janesville, WI

Taught basic education principles while complying with IEP goals.

Established a safe play environment for the children.

Encouraged good behaviors using the positive reinforcement method.

Organized and engaged in recreational activities such as games and puzzles.

Communicated openly with children's parents about daily activities and behaviors.

02/1999 – 8/2002 District Sales Manager

AFLAC – Janesville, WI

Recruited and conducted employment interviews

Conducted performance assessments

Contributed ideas and offered constructive feedback at weekly sales and training meetings.

Discuss employee benefits/options available to customers.

Reported policy changes and company conditions affecting customer satisfaction.

Evaluated the accuracy and quality of data entered into the agency management system.

Portfolio Management

Modeled exceptional customer service skills and appropriate diagnostic sales techniques.

Finalized sales and collected necessary deposits.

ADDITIONAL INFORMATION

Volunteer services to the local Meals on Wheels – 4 + Years

Volunteer Youth Volleyball Coach – Janesville YMCA

Volunteer services through my church to provide assistance to the local men’s shelter and food pantry

Focus Group participant at current employer to identify the concerns of employees regarding the operations, procedures, morale, and the working environment to detect areas of concern and provide a working plan to eliminate any issues.

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