Financial Analyst

DANTE PRESTON

LinkedIn ● 267-***-**** ● *.*******@********************.***

BANKING, FINANCE & CREDIT ANALYST

Relationship Management Credit Management Commercial Lending Real Estate Development Accomplished finance professional with over a decade of experience in commercial lending, credit management, and financial analysis. Demonstrated expertise in managing a $130 million commercial loan portfolio while mitigating credit risks. Proven track record in developing comprehensive global cash flow statements, analyzing financial statements, and underwriting complex real estate and line of credit transactions ranging from $500K to $3.6M, ensuring sound lending decisions and compliance. Skilled in relationship management, fostering partnerships with high-net-worth clients and financial institutions to secure funding and drive growth. Proficient in financial modeling, cash flow projections, and risk assessments to support strategic decisions for commercial transactions and construction projects. Adept at optimizing cash flow, improving operational efficiency, and exceeding profitability targets. Core Competencies

• Financial Analysis

• Credit Risk Assessment

• Portfolio Management

• Commercial Lending

• Relationship Management

• Real Estate Financing

• Risk Mitigation Strategies

• Regulatory Compliance

• Business Development

• Strategic Planning

• Cash Flow Management

• Financial Modeling

• Commercial Real Estate Underwriting

• Problem Solving & Decision Making

• Data Analysis & Interpretation

• Stakeholder Communication

• Process Improvement

• Team Leadership & Collaboration

Leadership Experience

2023 – Present • SHARON BANK • Springfield, PA

Senior Commercial Real Estate Credit Analyst

Proactively manage a $130 million commercial real estate and line of credit loan portfolio, identifying emerging credit risks through continuous monitoring and enabling timely risk mitigation actions, which minimized potential losses and ensured accurate risk ratings. Review and analyze complex financial and credit data, including financial statements, tax returns, appraisals, and industry research, ensuring the accuracy and thoroughness of credit assessments to support sound lending decisions.

• Conducted detailed risk assessments for commercial transactions, providing independent credit quality evaluations that identified emerging risks, financial trends, and market concerns, leading to well-supported risk rating rationales and minimized portfolio risk.

• Developed comprehensive financial models and sensitivity analyses, including cash flow projections, collateral schedules, covenant compliance assessments, and guarantor evaluations, to enhance decision-making for complex transactions.

• Monitored and improved the credit performance of customer portfolios, escalating potential risks and implementing solutions that safeguarded the portfolio’s financial health and compliance.

• Prepared concise and objective credit memorandum to senior executives, and assigned credit risk ratings to all credit facilities with the objective of identifying potential defaults

• Excelled in learning and adapting to the complexities of the bank’s credit department, demonstrating the ability to independently take ownership of assignments and deliver results with minimal supervision.

• Underwrote and managed lines of credit exceeding $3 million for individuals and corporate entities. 2018 – Present • YARMOUTH CONSTRUCTION GROUP • Philadelphia, PA Founder & Business Development Manager

Successfully manage over 30 residential and commercial construction projects, ensuring on-time delivery, budget adherence, and stakeholder satisfaction. Secure lines of credit and financing by cultivating strong relationships with banks, lenders, and financial institutions, enabling business expansion and project completion. Collaborate with accountants to establish financial reporting systems and expense tracking protocols, resulting in accurate forecasting and improved profitability. Review scopes of work (SOW) and architectural plans during the pre-construction phase, ensuring project feasibility and alignment with client goals.

• Built and scaled the company from the ground up, growing annual revenue to $700K+ by developing and implementing effective business strategies, sales systems, and operational workflows.

• Implemented growth strategies that expanded the customer base and established partnerships with key suppliers and subcontractors, driving consistent business development.

• Optimized cash flow by designing and executing a comprehensive sales system and budget plan, ensuring financial stability throughout each construction cycle.

• Streamlined project workflows and managed subcontractors, budgets, and customer expectations, leading to a 95% customer satisfaction rate.

• Consistently met or exceeded profit margin targets by maintaining rigorous cost controls and strategic planning during project lifecycles.

• Demonstrated deep expertise in the real estate and construction industries, leveraging hands-on knowledge to drive business growth and operational success.

2016 – 2017 • VELOCITY CAPITAL • Fort Washington, PA Commercial Real Estate Underwriter

Provided actionable recommendations to Loan Officers by presenting detailed creditworthiness assessments and applicant qualifications, improving decision-making accuracy. Manually calculated interest rates using matrix formulas, ensuring precise loan pricing and alignment with underwriting standards. Analyzed property operating statements, rent rolls, appraisals, leases, and vacancy rates, producing accurate pro-forma NOI calculations to support loan approval decisions.

• Evaluated and mitigated risk for commercial real estate loans ranging from $250K to $1M, leveraging financial analysis tools such as DSCR, LTV, and debt ratios to ensure sound lending decisions.

• Reviewed and ensured compliance of commercial real estate loan documents, verifying accuracy, completeness, and adherence to approval conditions, which reduced processing errors.

• Contributed to the success of a non-regulated lending fund, applying innovative underwriting practices to meet the needs of diverse borrowers and non-traditional real estate investors. 2009 – 2014 • RADIAN GUARANTY • Philadelphia, PA

Risk Analyst

Managed a portfolio of 900 mortgage insurance claims, conducting in-depth analyses to validate claims and determine settlement amounts, which minimized Radian’s financial exposure by reducing invalid payouts. Ensured compliance with GSE guidelines and Radian policies by reviewing program- and product-specific documents, including loan approvals, purchase agreements, and underwriting documentation, resulting in accurate claim decisions and reduced errors.

• Saved Radian thousands of dollars in potential losses by identifying and mitigating fraudulent claims through thorough investigation and evaluation of mortgage insurance liabilities.

• Streamlined claim review processes by analyzing and approving/rejecting origination documents, credit reports, appraisals, HUD-1 forms, and REO/short sale offers, improving decision accuracy and claim turnaround times.

• Advised senior management on financial risk and liability alternatives, presenting detailed assessments that helped Radian effectively manage mortgage insurance claims and exposure.

• Improved customer satisfaction by promptly resolving customer concerns and clearly communicating claim decisions, maintaining positive relationships with stakeholders.

• Underwrote loans for high net worth individuals, ensuring compliance with government regulations and internal policies to maintain portfolio quality and reduce risk.

Education & Certifications

Master’s Degree, Finance, Saint Joseph University, Philadelphia, PA, Expected May 2025 Bachelor’s Degree, Applied Science, Business Administration, Cabrini University, Radnor, PA OSHA Construction Safety Certification, Current

Technical Skills

Microsoft Office Suite (Word, Excel, PowerPoint, Outlook, Access) Adobe Creative Suite

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