Credit Analyst, Credit Manager, Credit Underwriter

MILAN K. FINCHUM JR.

• 512-***-****• *********@*****.***

SUMMARY

Financial, accounting and credit experience, ranging from commercial lending to the commercial construction industry, at branch and corporate level. Areas of expertise include credit underwriting and analysis, commercial construction contract procurement, property insurance coverage damage estimation, commercial property lien and bonding laws, tax law as it applies to processing and auditing returns. WORK EXPERIENCE

TAX EXAMINER 2015-PRESENT

United States Department of the Treasury, Austin, TX

● Audit, code and enter domestic and international tax returns for the Internal Revenue Service.

● Utilize accounting principles as well as tax code compliance.

● Review international identification documents for validity in the process of assigning Tax Identification Numbers to foreign individuals working domestically. INDEPENDENT INSURANCE ADJUSTER 2012-2014

● Estimate property damage claims and catastrophic events.

● Claims inventory, determining legal liability and extent of damage to persons and property.

● Assist policyholders to evaluate and conclude claims including verification of coverage, assess their losses and pay for covered losses within the carrier’s policy guidelines.

● Computerized estimate, documenting all activities associated with the claim, and providing excellent customer service through the entire claims process.. REGIONAL CREDIT MANAGER 2004-2010

CMC Rebar-Central Regional Office, Austin, TX

● Managing multiple facility A/R with average monthly balance of $50 Million, maintaining average annual DSO of 47 and 90+ day delinquency under 5%.

● Member of National Association of Credit Managers (NACM).

● Experience in project management and asset protection through property lien and bond filing.

● Commercial contract and purchase order certification through American Institute of Architects (AIA).Texas Department of Transportation (TXDOT) certification in DBE/Minority Owned Businesses contracts and purchase orders.

● Credit, contract and purchase order approval and management. REGIONAL CREDIT ADMINISTRATOR 1999-2004

McCoy’s Building Supply, Corporate Office, San Marcos, TX

● Multiple facility A/R and billing with average monthly gross sales of $6 Million.

● Initiated implementation of asset protection for region using valid lien and bond filing laws. CREDIT UNDERWRITER 1996-1999

Wells Fargo, Southwest Regional Office, San Antonio, TX

● Underwriting credit requests for loans of all lines from 100+ branch locations.

● Lines include auto, line of credit, home equity and home improvement.

● Expert analysis using all credit reporting bureaus as well as consumer financials. EDUCATION

Finance Major/Economics Minor, University of Central Oklahoma, Edmond, OK

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