Credit Analysis-Small/Med Business Cash Flow/DSCR calculations

Resume was uploaded, I added cover letter:

Dear Hiring Manager,

My experience involved loan financial credit analysis of business customers financial statements, business tax returns (Schedule C/F, 1120C/S, 1065 Partnership). Products have included credit facilities, unsecured loans, mortgages and commercial multifamily loans. Asset based loans with security: inventory (PMSI/UCC), real estate, credit enhanced commercial multi family, guarantors and personal property.

• Financial Models: 3 Statements, Cash Flow, Forecasting and NOI/Capitalization Rate

Banking products and services provided/cross sold to retail and HNW customers:

• DDA accounts: checking/savings, insurance products

• CDs, Money Markets, credit cards

• FX Transfers, US, UK, Canada

• ACH/Wire/lockbox information/directives

Assessment of third-party reports:

• Dun & Bradstreet

• NACM credit report and references

• Experian, Equicredit and Transunion reports

• SFR Summary and CRE Self-Contained Appraisals, Feasibility/Market Studies

While I strive to attain quality and quantity results, I am also friendly and have communication skills vital for healthy camaraderie. I believe that my experience proves me well-qualified for the role being offered and I can provide value for the team.

Thank you again for taking the time to review me as a candidate.

Sincerely,

Rick Velazquez

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