Financial Analyst

Michael C. Higson

Denver, CO ***** 949-***-**** *******.*.******@*****.*** www.linkedin.com/in/michael-c-higson Highly ambitious professional bringing business analysis acumen, reporting experience, and an intense work ethic. Impactful team member who takes personal ownership of his work and excels in a fast-paced environment which requires adaptability and detail orientation.

Skills & Attributes

Financial Statement Analysis Report Design/Creation/Analysis Deadline Driven Commercial Credit Acumen Microsoft Excel - Advanced Proactive Large Dataset Manipulation Python 3.7 Fundamentals Learning/Growth Mindset Professional Experience

Fortis Private Bank, Denver, CO

Commercial Credit Analyst March ’20 – Present

• Prepare and present credit presentations concisely summarizing the risks and attributes of prospective and existing commercial loans (Commercial/Industrial and Commercial Real Estate).

• Employ knowledge of GAAP and financial concepts to derive historical and pro forma cash flow models.

• Provide ongoing training and support for a variety of excel-heavy reporting functions. Commercial Credit Specialist January ‘19 – March ‘20

• Designed, created, and presented board and executive committee reports providing actionable information regarding the bank’s rapidly growing loan portfolio (~25% YoY growth).

• Monitored debt compliance and worked with banking teams and clients to source required financial documentation and guide them through covenant calculations.

• Balanced a number of time sensitive and diverse responsibilities consisting of financial analysis, cross- departmental reporting, and a multitude of administrative tasks. Commercial Credit Associate February ‘18 – January ‘19

• Took ownership of wide sweeping administrative duties in the commercial credit process during a 12- month period in which the commercial loan portfolio grew by over 150%.

• Researched, designed, and implemented project that successfully reduced the number of outstanding compliance items from over 1000 to 80, exceeding initial expectations. Client Service Associate June ‘17 – February ‘18

• Balanced responsibilities as the sole receptionist and teller for the bank supporting the deposit operations department and banking teams (sales).

• Maintained 1st floor space to ensure it was aligned with the hospitality focused brand of the bank. Northwestern Mutual, Denver, CO

Financial Representative Intern March ‘16 – November ‘16

• Led client meetings throughout the sales cycle.

• Developed and presented comprehensive financial plans for existing and potential clients. Education

University of Denver, Daniels College of Business, Denver, CO June ‘13 – June ‘17 Bachelor of Science Business Administration Marketing, Minor in Art Studio University of Otago, Dunedin, New Zealand July ‘15 – November ‘15

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