Results – driven finance professional with extensive experience in underwriting, lending, and relationship management. Proven understanding of cash flow analysis, collateral evaluation, and financial risk assessment. Strong leadership skills with a focus on building and managing client relationships. Solutions -oriented approach with a commitment to exceptional client service.

CORE COMPETENCIES

Cash Flow Analysis Tax Return Analysis Client Relationship Management Leadership Commercial and Consumer Lending Credit Analysis Regulatory Compliance

PROFESSIONAL EXPERIENCE

Commercial and Consumer Loan Analyst, Underwriter 3/2020 – 7/2023 - Lafayette Federal Credit Union Rockville, MD

Responsible for delivering daily risk mitigation strategies, exceptional relationship management, and exceeding monthly metrics.

Analyzed and spread financial statements, including tax returns (personal and business),

Profit and loss statements, balance sheets, and cash flow statements, and interpreted trend analysis. Possessed Lending Authority up to 1.5 million.

Daily financial analysis of underwriting with emphasis on risk mitigation, compliance, organization policy and procedures results included exceptional rating given, top underwriting recognition with the greatest operational impact among 12 peers.

Review and analyze, income, credit bureau information, home ownership, and title information. Determine acceptability of collateral using TLO, MeridianLink, appraisals, closing disclosures, deeds.

Managed and directed a $50 million Commercial Funding Project, overseeing all aspects from its initiation. Results include exceptionally higher yields increasing bottom-line yields versus corresponding asset base.

Project Finance Analyst 2/15 – 11/19

PEPCO, Exelon Corporation I Washington, DC

Responsible in part for the Solar Interconnection project process. Also, a liaison for contractors daily.

Created monthly accruals, ensuring accurate representation of project expenses which enabled precise financial reporting and analysis.

Branch Manager 9/13 – 7/14 – Possessed Lending Authority up to 100k

Andrews Federal Credit Union Washington, DC

Full responsibility and management oversight of branch operations, sales, and customer service functions. Managed a staff of 6.

EDUCATION

M.B.A., Finance Norwich University Graduate School of Studies Northfield, VT

B.B.A., Finance Temple University Fox School of Business Philadelphia, PA