Financial Analyst

CORE COMPETENCIES:

Financial Expertise:

• Loan documentation preparation and review

• In-depth credit analysis and verification

• Financial statement analysis and interpretation

Data Management & Reporting:

• Proficiency in data compilation, analysis, and reporting

• Expertise in generating insightful reports for decision-making Client-Focused Service:

• Demonstrated ability to provide exceptional customer service

• Skilled at building and maintaining strong client relationships Problem Solving & Critical Thinking:

• Proven analytical and problem-solving abilities

• Adept at identifying issues and implementing effective solutions Decision-Making & Leadership:

• Strong decision-making skills based on sound judgment and analysis

• Ability to lead and motivate teams towards successful outcomes Technical Proficiency:

• Advanced knowledge of Microsoft Office Suite (Word, Excel, Outlook)

• Experience with relevant financial software and databases (if applicable) PROFESSIONAL EXPERIENCE

FIXED ASSETS/COMPLIANCE ANALYST, Greenville County Greenville, SC Jun 2022 – Aug 2024 FINANCIAL ANALYST, CBRE Remote Aug 2024 – Present Detail-oriented and exceptionally organized professional with extensive experience in financial analysis, credit risk management, and customer service. Proficient in compiling data, preparing reports, and supporting portfolio managers in managing commercial real estate loan portfolios. Strong analytical skills and a collaborative approach to problem-solving and decision-making. Aspiring to leverage my expertise in a Finance Analyst role to contribute to the success of a dynamic organization.

Reliable worker who can determine the eligibility of applications through a complete and accurate review of pertinent documentation while integrating quality controls, analyzing needs and risks, and complying with the set requirements.

Results-oriented professional with a demonstrated ability to thrive under pressure, meet tight deadlines, and consistently exceed goals through effective problem-solving, sound decision-making, and a strong work ethic.

Proven ability to create and implement successful customer service programs that build strong client relationships and promote a positive, customer-centric environment.

• Liaised between Asset Manager and Client for the collection, review, and analysis of property, borrower and guarantor financials.

• Produced monthly and quarterly reports assessing asset and borrower strength

• Prepare and Distribute monthly billing statements as well as collect and disperse payments from borrowers to appropriate accounts

• Updated and monitored, interest, escrows, and other information within a loan servicing system.

• Learned various reporting covenants and practices for the multitude of funds managed.

• Assisted in the review of various construction draw requests

• Revamped and streamlined data collection and reporting for fixed assets using MS Excel.

• Accounted for receiving and reviewing documentation and identifying the source of funding for all fixed assets.

• Reviewed and recorded expenditures, purchase requisitions, titles, serial numbers, and related data.

• Prepared financial reports for retirement benefits, asset accumulation and depreciation, general ledger, payroll accounts, and audits.

• Maintained awareness of new trends and advances in documenting and recording fixed assets.

• Received commendations for completely revamping the asset management reporting process and streamlining the time it took to collect and display data for 70+ departments. MICHAEL LALL

Simpsonville, SC 29681 864-***-****

*********@*****.*** linkedin.com/in/michael-lall UNDERWRITER II, LoanDepot Remote Work Nov 2019 – Mar 2022 UNDERWRITING ANALYST, Armada Analytics Greenville, SC Mar 2016 – Nov 2019 UNDERWRITER, Regional Finance Greer, SC Jun 2014 – Mar 2016 EDUCATION

CERTIFICATIONS

TECHNICAL SPECIALTIES

Michael Lall ■ 864-***-**** ■ *********@*****.*** Page 2

• Provided outstanding customer care and managed mortgage loan processes.

• Followed FNMA/FHLMC guidelines in evaluating credit and property documents.

• Enforced keen attention to detail in receiving mortgage applications and underwriting applications as per designated limits.

• Analyzed borrower's income and employment details for loan repayment ability.

• Warranted the loan requested from the bank by reviewing the appraisal and checking if it has been valued properly.

• Liaised with Loan Officers and Processors to aid in resolving mortgage lending applications and final documentation.

• Maintained integrity while underwriting a multitude of loans, including Conventional and JUMBO loans up to $2M.

• Promoted to JUMBO underwriter within 4 months.

• Managed multiple agency loan underwriting assignments with loan balances over $100MM.

• Evaluated borrower profiles, including income documentation, tax returns, credit reports, and bankruptcy history.

• Created and managed Armada's CMBS underwriting team.

• Evaluated borrower profiles, income documentation, tax returns, credit reports, and bankruptcy history. Developed innovative solutions for continuous improvement.

• Ascertained credit quality and profitability by negotiating terms and conditions of loan decisions with dealers.

• Gained the trust of the management and was given authority to provide exceptions to normal guidelines when appropriate.

• Increased capture and conversion ratios by monitoring dealer productivity and following up with dealers on pending contracts.

• Nurtured robust relationships with dealers by establishing rapport through telephone and field calls.

• Employed critical thinking in examining and evaluating loan files for proper documentation prior to funding.

• Minimized worker fatigue and maximized employee satisfaction by creating a satisfactory work schedule.

• Bachelor of Science in Mathematics University of South Carolina, Columbia, SC May 2014

• Bachelor of Science in Psychology University of South Carolina, Columbia, SC May 2014

• Excel for Business Analysts (May 2022)

• Fundamentals of Accounting (May 2022)

• Understanding Mortgages and Home Equity (May 2022)

• Diploma in QuickBooks Pro 2017 (May 2022)

• Microsoft Office Products (Word, Excel, Outlook, PowerPoint)

• SQL, SAS, SPSS

• Encompass, Empower

• Internet Research Tools

Contact this candidate