Tax Returns Credit Analyst
Resume:
ST
SHERRIFF TRESVANT
Credit Analyst
978-***-**** ad4fjz@r.postjobfree.com LinkedIn/Portfolio
Maynard
EXPERIENCE
Credit Analyst 11/2022 - Present
ST Logistics Boston
Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags
Coordinate and support pay roll tax audits and examinations by tax authorities Provide documentation and explanations as needed during these processes Managed daily ledger entries, ensuring accurate and up-to-date financial records
Oversaw Accounts Receivables and Accounts Payables processes Prepare, review, and file tax returns, ensuring they are accurate and comply with all relevant tax laws
This may include corporate income tax returns, property tax returns, and other filings
Ensure accurate and timely filing of various tax returns, including income tax, sales and use tax, and other relevant taxes, in accordance with applicable laws and regulations
Analysed credit scores to determine borrowers' creditworthiness Made decisions and recommendations about extending lines of credit Analysed customer data such as financial statements to determine the level of risk involved for extending credit
Successfully collected Accounts Receivables, ensuring timely payments Assessed credit risk and analysed financial statements Monitored credit accounts routinely to identify and mitigate issues and prevent losses
Gathered loan documentation for underwriting
Tools Used: MS Word, Excel, Outlook
Lending Manager 11/2018 - 11/2022
TCU Boston
Analysed financial statements and payroll tax returns to complete underwriting process
Cultivated relationships with automotive dealerships by making sales calls Advised clients of financial services that could prove to be beneficial Lead team charged with consumer lending compliance and risk evaluation Approved and underwrote consumer loans for lines of credit and home equity Tools Used: MS Word, Excel, Outlook
Accounts Receivable
SKILLS
credit analysis Data Science
EXCEL liquid Microsoft Suite
ms office ms office suite
ms word Portfolio Management
STRENGTHS
Time management and
building rapport
I was able to acquire the talent
through talking to a lot clients
which resulted in managing my
time and company time thus
resulting into more sales .
ACHIEVEMENTS
What are you most proud
of?
Why are you proud of this
achievement?
LANGUAGES
Language Beginner
PASSIONS
Passionate about the
culture of the
organization . Where they
promote with in and your
can learn from the
leaders in management
TRAINING / COURSES
IT SUPPORT CERTIFICATION
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EXPERIENCE
Title 05/2013 - 10/2018
New American Funding- MA Location
Examine, analyse, and evaluate complex documents and business structures Extrapolate data from financial statements, credit agencies, sales and use tax, tax returns and all available resources, to perform financial spreads and cash flow analyses utilizing 'Financial Tools' software Coordinate and support tax audits and examinations by tax authorities Provide documentation and explanations as needed during these processes Successfully collected Accounts Receivables, ensuring timely payments Prepare, review, and file tax returns, ensuring they are accurate and comply with all relevant tax laws
This may include corporate income payroll tax returns, property tax returns, and other filings
Used billing, ticketing and invoice systems while doing post-closing of loans Analyse financial information such as management accounts and cash flow statements and utilizes knowledge and independent judgment to determine the degree of risk when compared to the Bank's Credit policy Makes appropriate recommendations
Assist in requesting credit and rating information from rating agencies such as Moody's, Standard & Poor, Veri-Check, performs UCC searches, and order third party reports required for underwriting proposals
Follow up to ensure updated financial information is received timely Analyse data and calculate the risks associated with granting business loans, real estate loans, individual loans for business purposes, and extending lines of credit for equipment and other goods
Develops financial profiles for each business by investigating its credit history and weighing its cash and other liquid assets against its debts Updating profiles using tickler system
Tools Used: MS Word, Excel, Outlook
CREDIT ANALYST 01/2012 - 02/2013
Homeward Residential, Inc Location
Underwriting mortgages and home equity lines of credit, reviewing application packages to ensure completeness, preparing underwriting analysis, and making loan recommendations
Reviewing loan files for proper completion of the pre-closing process Verifying the closing and loan documents
Securing proper signatures, entering loan information, Preparing title policies Processing wires, payoffs, and lien releases etc
Compiling loan documentation and ensures that all conditions and requirements for closing
Follow up on loan documents, mortgages, and title policies for mortgage loans Knowledge on all Fannie Mae, FHA, VA, Freddie Mac, DU and LP policies and guidelines
Proficient in automated underwriting systems
Freddie Mac LP and Fannie Mae desktop Tools Used: MS Word, Excel, Outlook SENIOR LOAN OFFICER/PROCESSOR 01/2008 - 01/2012
Sundeck Mortgage Inc- MA Location
Review, process, close and administer loan proposals Interview applicants and request specified information for loan applications Analyse applicant financial status, credit, and property evaluation Correspond with and interview applicants or creditors Approve loan within specified limits or refer loan to loan committee for approval Ensure loan agreements are complete and accurate according to policy Maintain database and monitor performance of loans Confer with underwriter to aid in resolving mortgage application problems Analyse potential loan markets to develop prospects for loans Knowledge of Encompass and calyx software VA, FHA, Fannie Mae, Freddie Mac policies and guidelines. Tools Used: MS Word, Excel, Outlook Powered by www.enhancv.com
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EXPERIENCE
SENIOR MORTGAGE CONSULTANT 08/2005 - 12/2007
Ascella Mortgage Corporation- MA Location
Responsible for increasing mortgage loan portfolio Competently analyse and prioritize information to make appropriate recommendations
Developing and maintaining strong rapport with clients EDUCATION
Business Administration Date period
University of Massachusetts at Lowell
IT support certificate 01/2024 - Present
Middlesex community College
SUMMARY
Proficient in monitoring credit accounts routinely to identify, mitigate issues and prevent losses & gathering loan documentation for underwriting. Powered by www.enhancv.com
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