Credit Analyst Commercial

Charles Williams *** Buoy Ct

Crowley TX *****

682-***-****

charleswilliams279@gmail

EXPERIENCE

Wells Fargo Bank, Dallas TX — Sr Commercial Risk Analyst

& Disbursements

September 2021 - PRESENT

Manage the lending lifecycle for commercial clients by coordinating loan closing and servicing, verifying legal loan documentation, ensuring funds' flow management, and facilitating disbursal of loans. Software used Loan IQ, SQL, and Wall Street Office Metro Financial Services, Dallas TX — SVP Operations Manager

June 2018 - September 2021

Managed and mentored a team of 20+ employees to perform loan servicing, collateral monitoring, and reconciliations, improving operational efficiency by 40% through the implementation of process improvements.

- Achieved seamless client onboarding by identifying customer requirements, assessing risk management implications, and creating agreements compliant with legal provisions.

- Developed an enhanced data management system by coordinating amongst Business and IT teams, leading to a 45% reduction in reporting errors.

Metro Financial Services, Dallas TX - AVP Underwriting Manager /Asset Based Lending Manager,

April 2011 - May 2018

Managed a team of underwriters, reviewed asset-based loan requests, managed client relationships, and oversaw the completion of various financing transactions valued at $50+ million per year across several industries.

- Liaised with Credit and Legal teams to ensure compliance with company policies and legal provisions, performing analysis of syndicated/bilateral loan documentation and deal structuring.

- Developed metrics variance analysis and implemented modeling tools to analyze the impact of loans on business operations. SKILLS

- Excellent communication,

organizational and

interpersonal skills

- Ability to work well under

tight deadlines, prioritize and

complete assigned tasks with

minimal management

follow-up

- Quantitative skills with a

high proficiency with Excel

and other Microsoft based

programs

- Tableau or visualization tool

familiarity

- Experience with Loan IQ,

transaction capture tools, etc.

- Keen attention to detail

- Developed analytical and

problem-solving abilities

- Client relationship and

solution skills

- Experience within a large

global team supporting

wholesale lending at a large

financial Institution

- Knowledge of wholesale

loan (syndicated/bilateral)

products and business,

including an understanding of

legal loan documentation,

loan/funding mechanics, deal

structure, funds flows, etc.

- Experience working with

clients under time constraints

-Proven ability to collaborate

with team members and

Senior management

EDUCATION

Bethel University, St Paul, Minnesota— MDiv Theology Wiley College, Marshall TX — BA Finance

Certifications

Business Analytics Certification, Wharton School of Business

.

**Summary:**

Commercial banking operations and lending lifecycle professional with over 14 years of experience in managing complex loan transactions, ensuring seamless client onboarding, servicing coordination, enhancing data management, and quality control. Demonstrated expertise in operational oversight, managing priorities to deliver on tight deadlines, leading & encouraging team members towards desired expertise, and developing analytical and problem-solving abilities. Possesses excellent communication, organizational, and interpersonal skills, backed by academic proficiency in Finance, Theology, and a certification in Business Analytics from Wharton School of Business.

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