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Commercial Credit Analyst

Chicago, Illinois, United States
October 30, 2016

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**** ***** ******** ****, *******, IL 60660

Cell: 847-***-****;



GGL Credit Officer – The Bancorp - Chicago, IL 3/2015 – 5/2015

Perform complete loan underwriting document suitable for obtaining a credit decision.

Perform Small Business Administration (SBA) audit quality review and approval of loan application and submission documentation.

Work with management to handle more complex issues as needed.

Determine loan request’s eligibility.

Structure transactions in order to meet bank’s guidelines and the appropriate SBA/USDA loan program.

Prepare detailed financial analyses of borrowing entity, any corporate guarantors and/or affiliates, and principles in the transaction.

Obtain, review, and approve all credit reports, UCC searches, CIP, OFAC, and other necessary documentation for accuracy, compliance, and acceptability for SBA guaranty and bank compliance with regulators.

Generate a written Credit Approval Memorandum reflecting a full underwriting of the proposed transaction meeting SBA/bank standards for approval.

Financial statement analysis; description of the industry, business history, demographics, management experience and competition; SBA or USDA compliance; and the loan request’s conformance to credit policy, and the bank’s guidance lines when applicable.

Order, review and approve third party reports including commercial and residential appraisals, environment reports, business valuations, site visits, and equipment appraisals.

Work with the closing department to facilitate the closing of loan requests and handle credit-related issues as needed.

SBA UNDERWRITER – Bridgeview Bank Group - Chicago, IL 3/2014 – 2/2015

Underwrote new SBA 7(a) & 504 loans all Bank policies and procedures, compliance regulations and SBA policies and presented at ELC Meetings for approval.

Analyzed financial statements, using spreadsheet; cash flow, income statement, balance sheet for loans up to $5MM.

Worked on problems of complex scope where analysis of data requires in depth evaluation of various factors

Presented facts and offered opinions/recommendations to BDOs concerning applicant’s credit worthiness.

Sound credit decision skills and loan structuring knowledge.

Excellent credit and analytical skills, and in-depth knowledge of appropriate banking laws, regulations, and institution’s policies and practices.

Trained junior credit analysts.

Senior Commercial Credit Analyst III– The National Republic Bank of Chicago - Chicago, IL 7/2009 –12-2013

Analyzed financial statements using spreadsheet; cash flow, income statement, balance sheet.

Performed ratio analysis; leverage, DTI, LTV and DSC for loans up to $200MM.

Experienced with C & I, Commercial Real Estate, Construction loans and expertise in hotel/motel loans.

Prepared new loan analyses, renewals, extensions, commitment letter, loan modification, Global Analyses.

Order, renew appraisal log for collateral properties, and make appraisal reviews.

Detailed market analysis and comparative projection cash flow for new loans.

Trained credit analysts.

Commercial Credit Analyst – AztecAmerica Bank North Riverside, IL 11/2007 – 10/15/2008

Analyzed financial statements using spreadsheet; cash flow, income statement, balance sheet.

Performed ratio analysis; leverage, DTI, LTV and DSC for loans ranging from $300M to $3MM.

Experienced with C&I, Commercial Real Estate and Commercial Construction loans.

Prepared loan presentations, renewals, extensions and present to Executive Loan Committee.

Obtain current financial statements, order and review commercial real estate appraisals and EPA Studies.

Commercial Credit Analyst – Citizens Bank & Trust Chicago, IL 8/2005 – 06/2007

Analyzed financial statements using spreadsheet; cash flow, income statement, balance sheet.

Performed ratio analysis; leverage, DTI, LTV and DSC.

Experienced with C&I, Commercial Real Estate, Commercial Construction, and Retail loans.

Prepared loan presentations, renewals and extensions for the Executive Loan Committee with details on exposure levels in order to define appropriate risks.

Participated with loan officers to obtain current financial statements, order commercial real estate appraisals.

Representative PRIMERICA FINANCIAL SERVICES Chicago, IL 2003-2005

First Mortgage, Home equity Loans, Term Life Insurance

Business Consultant Tirana, Albania 2000-2002

Provided consulting & management services in: Business Planning, market research, feasibility studies.

Director of Finance - EUROTUBE Sh.p.k, Alb.-Amer. Ent. Fund (AAEF), Tirana, Albania 1998-1999

Interfaced with all contractors providing various services to the company.

Communicated with government agencies and interacted with all related institutions.

Conducted study on costs, financial analysis & other related financial considerations.

Analyst/Underwriter –Deutsche GTZ -German office for technical-economic cooperation Tirana, Albania 1994-1997

Facilitated financial restructuring/privatization of state enterprises from various industries in East Europe.

Prepared corporate feasibility studies, business plans valuation and present to German Investment, development banks and venture capital groups for amounts up to $9MM of restructuring facilities.

Developed models for cost controlling, marketing, and enterprise valuation.

Provided project financing services and prepared pitch books for newly privatized companies.


1984 – 1988: B.A. Finance & Management, College of Economics, Tirana, Albania.

Formal Credit Training:

“Commercial Lending”, ABA (American Bankers Association), November 2004 (36 hours).

“Analyzing Financial Statements”, ABA (American Bankers Association), June 2004 (36 hours).

Computer Skills:

Proficient in Windows and MS Office XP applications (Word, Excel, PowerPoint, Outlook, IE).

Proficient with Jack Henry, CoStar, Metavante, Loan Vantage, Halford \ Pro-Phoenix software, GoldMine,

Knowledge with Laser Pro.


Fluent in English, Albanian & Italian, knowledge in Greek.

References available upon request.

Contact this candidate