CHRISTOPHER J. DYKES

Cell: 318-***-**** • Email: adjrje@r.postjobfree.com

EDUCATION

Louisiana State University, Baton Rouge, LA December 2015

Bachelor of Science in Business Concentration: Internal Audit

EXPERIENCE

JP Morgan Chase 08/2019 – Present

Underwriter III

Review credit applications and render appropriate credit decision within credit policy requirements

Structure and analyze decisions to minimize risk, maximize profit, and enhance relationships

Perform detailed financial analysis on portfolio, including trend and ratio analysis, and interpret the financial information

Exhibit excellent communication skills both internally and externally to effectively solve underwriting/risk concerns

Republic Finance 02/2018 – 08/2019

Lead Underwriter

Led analytical, policy development and centralize underwriting integration for entire company

Created credit policy and risk guidelines to ensure maximum growth potential and loss mitigation

Completed necessary due diligence of underwriting trends and exceptions to continuously evaluate and update credit policy

Observed credit exposure for routine and complex underwriting transactions for secured and unsecured products

Republic Finance 09/2015 – 01/2018

Manager/Underwriter

Monitored financial information, performed critical credit risk analysis, administered loan closing, and loan review

Assessed risks inherent in complex credit transactions and mitigate, structure and negotiate accordingly

Perform credit and personal financial statement analysis on individuals and co-borrowers to evaluate repayment capacity

Structured transactions by being open minded and creative while balancing the risk/reward for over 900 accounts

Pinnacle Entertainment (L’Auberge) 06/2015 – 08/2015

Audit Intern

Conducted risk management assessments with a clear and consistent approach to mitigate fraud and legal risk

Advised management of any problems or irregularities pertaining to policy and procedures

Document recommendations for new policies to minimize fraud and control other risks more effectively

Demonstrated balanced, well-reasoned judgment in decision making with consultants, clients, and management

JPMorgan Chase & Co. 09/2013 – 05/2015

Personal Banker

Reviewed balance sheets, tax returns, cash flow statements, and financial statement analysis of new account clients

Contributed in structuring loan request and applications to business, auto, and mortgage clientele

Cultivated long term relationships with banking personnel and clients while cross-selling products and services

HONORS & AWARDS

Republic Finance – Promoted to develop underwriting department and lead companywide underwriting centralization. Three monetary bonuses due to exemplary performance in first year. Employee of the regions. Office of the region honors. 2016 2nd place office of the year.

ACTIVITIES

Millennial Estate (Founder); National Sales Network; National Association of Black Accountants; Real Estate Investor; Alpha Phi Alpha Fraternity Incorporated (Treasurer 2013)

SKILLS

Proficient in Microsoft Word; Strong organization and time-management skills; Accounting; Data reporting; Exceptional analytical, Leadership experience; oral and written communication skills; Problem solving skills; Understanding of banking/credit related regulatory requirements and risk assessments; Portfolio management; Data integrity; Internal controls; Cash flow analysis; Financial analysis, financial reporting and credit analysis; Understanding of Banking, BSA, AML, CTR & OFAC

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