Credit Underwriter Analyst
Resume:
Allen M. Garth
Bloomfield, New Jersey 07003
c: 973-***-****
*******@***.***
Professional Work Experience
House Chairman (Manager) Veterans of Foreign Wars Post 711, Bloomfield, NJ Oct 2017 – present
● Scheduling events for hall rental seating 125 patrons for parties, holidays, business meetings, and charitable organizations.
● Prepare location for potential guests to review and host their future gatherings.
● Organize, order, & purchase inventory while receiving payments and depositing monies.
● General internal and external maintenance of club house building. Warehouse Team Member Amazon, Teterboro, NJ Oct 2020 – Apr 2021
● Sort, scan, stack packages on pallets
● Get customer orders ready for delivery
● Utilized technology with scanners, computers, and handheld printers
● Unload & load trucks and other warehouse functions. Telecommunicator (Dispatcher) Affiliated Alarm Monitoring, Union, NJ Oct 2019 – Mar 2020
● Handled emergency telephone calls; dispatching to the appropriate police, fire, and EMS agencies.
● Monitor emergency alarm signals in a call center environment
● Provided reliable & excellent customer service on high volume of calls.
● Collect information to update customers’ accounts. Public Safety Telecommunicator (Dispatcher) Township of Bloomfield, Bloomfield, NJ May 2014 – May 2017
● Take emergency telephone calls; dispatching to the appropriate police, fire, and EMS agencies.
● Prioritize incoming emergent and non-emergent phone calls.
● Determine nature and location of the phone call.
● Certified in 911 emergencies, EMS (Emergency Medical Services), and CPR.
● Maintain security and confidentiality of all files and equipment. Security Officer Securitas USA, Parsippany, NJ Sep 2013 – May 2014
● Assisted visitors with a legitimate need to gain entry to the facility; screened visitors and client employees in an efficient manner in order to expedite their admittance to the site or facility.
● Monitored remote entrances using closed circuit television; operated remote access devices; in a calm manner directing persons who cause a disturbance to leave the property.
● Prepared logs / reports as required for site; writing and/or typing reports and/or entering information in a computer; inspected control logs and took further action as required. Credit Analyst Kearny Federal Savings Bank, Fairfield, NJ May 2012 – Apr 2013
● Analyzed business financial statements utilizing historical and projected cash flow; evaluated collateral coverage; and analyzed personal financial statements, tax returns, and various balance sheet and income statement ratios for renewals, modifications and new/existing customer loan requests.
● Employed independent analytical and writing skills for loan amounts between $15M and $17MM relating to working capital lines of credit, start-up businesses, and commercial & multi-family real estate transactions.
● Made credit recommendations for various loan products; which included commercial mortgages, SBA 7a loans, refinances, rate modifications, and loan reviews/renewals.
● Extracted pertinent information from outside reports (appraisals, credit reports, environmental reports, etc.) and applied this information to the credit underwriting. Credit Underwriter Spencer Savings Bank, Elmwood Park, NJ Jan 2012 – Apr 2012
● Completed underwriting analysis for loan amounts between $15M and $5MM relating to working capital lines of credit, business acquisitions, and commercial real estate transactions.
● Ordered reports such as credit and D&B reports, appraisals, environmental reports, and property searches. Credit Analyst Unity Bank, Clinton, NJ Feb 2011 – Sep 2011
● Spread and analyzed financial statements; evaluated collateral coverage; and analyzed cash flow, projections, personal financial statements, tax returns, and various balance sheet and income statement ratios for renewals, modifications and new/existing customer loan requests. Assistant Vice President – Credit Analyst Skylands Community Bank, Chester, NJ Sep 2009 - Jan 2011
● Developed credit information for use by lending officers for lending decisions on new, renewal, and extension loans.
● Monitored and maintained loan portfolios, including renewals, modifications, extensions, small account assignments, risk rating, prepared summaries and presented facts for lending officers.
● Performed all activities relevant to credit analysis, including cash flow and trend analyses, individual personal financial statement synopsis, property operating analysis, and debt service calculation.
● Created and maintained credit files, and developed spreadsheets based on corporate financial statements.
● Maintained compliance and updated knowledge of banking and credit policy. Senior Human Resource Sergeant (E-7) NJ Army National Guard Oct 1995 - Sep 2011 Operation Iraqi Freedom Mar 2008 – Jul 2009
● Supervised personnel management section maintaining 131 officers and enlisted personnel records and processing personnel actions concerning service members and their families.
● Prepared daily reports on strength levels and status of personnel. Processed over 64 promotions and rank reductions. Processed recommendations for 105 awards and decorations.
● Monitored suspense actions; initiating and processing 36 personnel evaluations.
● Maintained and updated changes to Army regulations and other publications for company level operations. Senior Credit Underwriter CIT Group Inc., Livingston, NJ Nov 2000 – Jan 2008
● Rendered credit decisions for the Small Business Lending Processing Center using direct credit authority
($250,000) or recommended transactions to a higher authority for Commercial Real Estate and SBA guaranteed loan applications, consisting of construction loans, business acquisitions, and start-up transactions.
● Provided detailed requests for credit approval including financial statement analysis utilizing Moody’s software, business history, collateral adequacy, and credit background and management ability in order to determine the credit worthiness of loans between $75M - $2.5 million for an overall approval rate of 86%.
● Maintained close working relationships with Regional Account Managers, SBA, Franchisors, and customers.
Funeral Home Assistant (Part-Time) Halpin & Bitecola Funeral Home, Bloomfield, NJ May 2014 – 2020
● Greet visitors at the door and direct to areas in the parlor.
● Assist as a pallbearer & driver to local churches and cemeteries. Education
Bachelor of Arts in Economics, Montclair State University, Upper Montclair, NJ Certified in CPR (Cardiopulmonary Resuscitation)
Veterans of Foreign Wars - Commander, Post 711 Bloomfield, NJ 2014 - present Eagle Scout - Boy Scouts of America / 1984
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