Vice President Financial Analyst
Resume:
Lori Perez
Assistant Vice President Business Banking Underwriter III - Old National Bank
Panama City, FL
*********@*****.***
A seasoned financial analyst experienced in all phases of credit underwriting. Production for profit orientated with strong credit analysis skills and a proven ability to handle complex accounts and create innovative solutions to meet the needs of the customers as well as the company. Authorized to work in the US for any employer
Work Experience
Assistant Vice President Business Banking Underwriter III Old National Bank - Evansville, IN
December 2005 to Present
Review, analyze, and decision financial statements for small business credit applications up to $1.5 MM.
• Analyze complex credits and prepare clear, complete written and oral presentations.
• Effective monitoring, administration and maintenance of existing banking portfolio in accordance with Bank standards.
• Execution of current bank, departmental and personal plans.
• Maintain credit quality in accordance with bank guidelines.
• Compliance - understanding of bank laws and regulations and proactive steps taken to ensure Bank's compliance with the same.
• Maintain a responsive turnaround of credit decisions while maintaining quality credit underwriting standards.
• Provide second look capabilities on loans requiring high-level review.
• Work with real estate processing for review on appraisals, tract searches, title commitments, etc. Credit Analyst
G.E. Commercial Distribution Finance - Hoffman Estates, IL 1999 to 2005
Maintain 100% currency of assigned dealer annual reviews. Review credit files in order to determine company risk and exposure by performing a financial trend analysis of both the corporation and the individual's creditworthiness.
• Maintain a responsive turnaround of credit decisions while maintaining quality credit underwriting standards.
• Direct the activities of the credit administrator and junior analysts to ensure effective productivity.
• Handle the Southwest portfolio in the Marine Division with credit lines from $25K to $1.5MM.
• Ensure the systematic collection and maintenance of current documentation and requirements of credit files. Specifically, UCC's and security documents.
• Develop thorough write-ups compiling financial and operation data to paint a clear picture of the dealer's financial health. Make recommendations to resolve problems.
• Focused on a three-year trend analysis with respect to revenue streams, margins, cash flow, liquidity and leverage.
Education
B.A. in Business Administration
Elmhurst College - Elmhurst, IL
December 1994
A.A. in Business Administration
William Rainey Harper College - Palatine, IL
June 1992
Skills
• Credit Analysis
• Financial Analysis
• Lending
• Communication skills
• Banking
• Underwriting
• Analysis skills
• Microsoft Excel
• Microsoft Office
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