Credit Analyst Service Associate

Jacob B. Werman

**** ******* *****., ********** *****, Florida 33064

T: 954-***-**** E: ***********@*****.***

Education Rutgers University May 2015

● Bachelor of Arts Major in Economics, Minor in Entrepreneurship New Brunswick, NJ

● Relevant classwork includes:

o Financial Economics, Economics of Public Policy, Econometrics, Industrial Organization, International Economics, Money & Banking, Financial Accounting, Managing Growing Ventures Experience LendingOne November 2017-June 2020

Senior Underwriter/Credit Analyst Boca Raton, FL

● Responsible for determining the viability of a particular business mortgage and borrower by analyzing property and market data, personal and business financials, entity documentation, title work, RE experience etc. for conformity to guideline requirements for refinance, renta, new construction, multifamily and fix/flip “bridge” loan

● Effectively underwritten 1k plus closed and sold loans ($260MM) with LendingOne; managing files through the complete underwriting process from term sheet through sale and securitization Rapid Capital Funding July 2015-April 2017

Senior Credit Analyst/Underwriter North Miami, FL

● Determine risk involved in providing working capital to existing and new clients by analyzing data to determine factors such as viability, cyclicality, frequency of cash flow and strength of industry

● Analyze client performance, banking history, and credit data to determine the quantity of capital they are approved for using financial models incorporating earnings and risk factors to determine plausible terms for extending capital

Morgan Stanley May 2013 - June 2015

Intern/Client Service Associate New Brunswick, NJ

● Reevaluated current client positions and prepared portfolio modifications for $250MM in AUM

● Acquired $500K of Assets Under Management through liquidity solutions; Securities Based Lending

● Participated in MS Consulting Group and Global Investment Committee Strategy Sessions

● Established functional expertise using MS proprietary software ModelWare, S&P Capital IQ, Thompson One and building persuasive PowerPoint decks for Clients and Financial Advisors Empire Lacrosse Club / Davie Barracudas / Snipers Lacrosse 2010-Current Club Coach Ft. Lauderdale, FL

● Taught and coached hundreds of boys and young men in college, incorporating yoga/movement Activities Rutgers Men’s Lacrosse Team 2011-2015

● Division I Student-Athlete, a weekly commitment of 25-40 hours for practice, travel, competition, team meetings, extra workouts, etc. Named to Big-East All-Academic Team as a freshman (2011-12) and junior (2013-14); Big Ten All-Academic team Senior year (2014-15) Earned the team’s “Collins Award,” for showing greatest academic improvement in one year U.S. Lacrosse High School All-American, Miami Herald Broward County, FL Player of the Year Skills ● Positive attitude, ability to handle pressure, manage multiple tasks and meet deadlines; Self motivated,, highly coachable, excellent communication and organizational skills; strong personal work ethic and team mentality

Interests ● 2021 RYT 500 through Yoga Alliance, Surfing/foil, snowboarding, wakesurfing, Professional racetrack driving instruction and Veganism

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