Credit Analyst Iii

Mobile 480-***-****

*************@*****.***

**** *. ******** *****, ***. 3060

Phoenix, AZ 85054

James Merriott

Objective

To become part of an enterprising organization in the capacity of a Credit Analysis – eager to work with individuals and large businesses alike, maintaining the highest standards in the best interests of all parties.

Experience

10-2021/ 12-2023 First Interstate Bank Scottsdale, AZ

AVP, Credit Analyst III

Structure and underwrite commercial and conventional loans, while preparing ratio and risk analysis reports for senior banking officers.

Obtains loan request information from commercial lenders or borrower to analyze credit information, financial statements, and other related information pertaining to the loan.

Researched background documentation and reviews personal and business financial statements and tax returns. Analyzes financial information and prepares preliminary analysis for the lender.

Reviews and prepared written analysis, spreadsheets, reports, summaries, and opinions. Prepares or assists in the preparation of credit memorandum for presentation to lender/loan committee.

Reviews loan file to ensure the completeness of the file, and that all collateral has been secured properly.

Maintain high level confidential information, while communicating credit department procedures and credit decisions to assigned personnel to assist customers with questions.

4-2015/10-2021 BNC National Bank Glendale, AZ

AVP, Credit Analyst/Portfolio Manger

Sound knowledge of credit systems, financial collections, debt management, reporting and all related credit-based system operations.

Possesses ability to apply business insight and professional judgment. Efficiently renders complex financial information in palatable form.

Effectively assessed credit risk and (current and potential) client viability, analyzing financial statements and cash flow of customers.

Performed (quantitative and qualitative) analysis of requests for loans and lines of credit.

Provided customer service support and professional financial guidance.

Prepared written credit-approvals and denials.

Manage existing portfolio, consisting of 150 accounts. Maintain relationship while requesting financial documentation as required by the business loan agreement.

4-2009/4-2015 JPMorgan Chase & Co. Phoenix, AZ

AVP, Credit Analyst II

Structure and underwrite commercial SBA and conventional business lines of credit. Review and analyze underperforming \ troubled debt restructures transferred from the MA Officer.

Obtain loan request information from MA officer to analyze credit information, financial statements, and other related information pertaining to the restructure. Order /review appraisal when applicable.

Research background documentation and review personal and business financial statements and tax return for analysis.

Review loan file to ensure the completeness of the file, and that all collateral has been secured properly.

Review and prepare written analysis, spreadsheets, reports, summaries, and opinions. Prepare or assist in the preparation of loan memorandum for presentation to manager.

Adhere to process, documentation, analyzing, and booking of each account assigned.

Maintain close relationship with Document Preparation, booking departments to ensure accuracy in closing documents and bookings.

Maintain relationship with officer on all loan work-outs deemed nonperforming through the process to return to the line.

4-2002/1-2009 1st National Bank of Arizona Scottsdale, AZ

AVP, Credit Analyst II

Structure and underwrite commercial SBA and conventional loans. Review and analyze new commercial SBA and conventional loan packages received by the Loan Officer. Approximately analyze/underwrite 5-6 credits monthly - $31MM within the last twelve (12) months.

Obtains loan request information from commercial lender or borrower to analyze credit information, financial statements, and other related information pertaining to the loan. Order environmental/appraisal when applicable.

Researched background documentation and reviews personal and business financial statements and tax returns. Analyzes financial information and prepares preliminary analysis for the lender.

Request and obtain financial statements on existing borrowers.

Reviews and prepared written analysis, spreadsheets, reports, summaries, and opinions. Prepares or assists in the preparation of loan memorandum for presentation to lender/loan committee.

Reviews loan file to ensure the completeness of the file, and that all collateral has been secured properly.

Assists lenders with calls on past due loans as assigned by senior management within the bank’s loan portfolio.

Education

1993-1997 Missouri Western State College St. Joseph, MO

Business Administration

Continuing Education:

Commercial Credit for Lenders (Financial Analysis).

Commercial Lending Requirements and Loan Documentation in Arizona.

Buker’s Tax Analysis.

SBA Credit Analysis

Cash Flow Analysis – Solution based Cash Flow Program

Mastering Underwriting

Basic Credit Risk and Structuring

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