Finance Leader with Strong Accounting and Credit Analysis
Resume:
Career Summary:
Success oriented individual with an efficient, keen skilled demeanor and exceptional attention to detail. Extremely motivated and responsible with exceptional leadership skills and an extensive analytical and financial background. Possesses a strong work ethic and vigorously pursues all new challenges, opportunities, and tasks. Professional Experience:
Viva Capital Funding, LLC, El Paso, Texas
04/2021 – 11/2025
Controller
• Provided direct supervision and professional development for one accounting team member.
• Managed all daily accounting functions, including general ledger, AP, AR, payroll, and cash flow.
• Compiled monthly, quarterly, and annual close processes, ensuring accurate and timely financial reporting.
• Prepared financial statements and explained results to leadership in a clear and concise manner.
• Managed budgets, forecasts, and tracked variances so management had an accurate understanding of financial performance.
• Oversaw cash flow and banking relationships to maintain financial strength and liquidity.
• Lead audits, tax filings, and other external reporting requirements.
• Processed payroll accurately and on time, including employee earnings, deductions, benefits, bonuses, and commissions.
• Ensured compliance with federal, state, and local payroll regulations, including payroll tax filings and year-end reporting.
• Managed payroll systems and coordinated with HR on employee changes, benefits, and compensation updates. First Light Federal Credit Union, El Paso, Texas
04/2019 – 04/2021
Senior Credit Analyst
Analyzed financial packages submitted by commercial lenders to assess creditworthiness and underwrite loans and delivered informed recommendations for approval.
Scrutinized financial data such as market share, income growth, and management quality to decide if loans would be lucrative.
Presented loan underwriting recommendations and supporting financial analysis to the Board of Directors for decision-making.
Supported audits and regulatory examinations related to credit and lending activities.
Lead analysis on all annual reviews, renewals, extensions and maturing loans.
Provided and supported junior credit analysts or lending staff.
Assisted in developing standard credit assessment and underwriting procedures.
Created and maintained the following monthly reports for the loan department:
Credit portfolio performance reports
Concentration and exposure reports (by industry, geography, borrower)
Covenant compliance and borrowing base reports
Watchlist and criticized asset reports
Delinquency, default, and loss trend analysis
Provided high quality and professional service to members and potential members. Paso Del Norte Health Foundation, El Paso, Texas
03/2017 - 04/2019
Director of Accounting
Prepared and recorded monthly journal entries into the general ledger.
Monitored, prepared and maintained monthly financial statements presented to the Committees and Board of Directors.
Reconciled bank statements on a monthly basis.
Verified GIFTS (Grants Information Financial Tracking System) reports against the general ledger.
Prepared the annual budget on an annual basis and monitored monthly expenses for all departments.
Assisted in the preparation of the annual 990PF, 990T and 990 forms.
Verified and approved payroll on a biweekly basis.
Prepared and submitted annual 1099 and 1096 reports and annual W-2 and W-3 forms. 1
Melanie Anaya
1112 Nepal Sky St
El Paso, TX 79928
**************@*****.***
Capital Bank, El Paso, Texas
07/2010 – 03/2017
Promoted - Assistant Vice President, Senior Staff Accountant
Prepared and submitted reports required by the Federal Reserve and FDIC, including the Call Report.
Provided monthly financial statements and other monthly reports to the Board of Directors.
Provided information and managed an ongoing dialogue with internal and external auditors.
Ensured that the financial institution's accounting procedures were in compliance with GAAP.
Prepared monthly and quarterly cash flow projections.
Reviewed reconciliations from all other departments.
Reconciled general ledger accounts daily/monthly.
Prepared and entered journal entries on a daily basis to the general ledger.
Processed accounts payables.
Reviewed payroll and submitted to third party for processing.
Provided assistance to Controller and CFO as needed. Capital Bank, El Paso, Texas
07/2009 - 07/2010
Promoted-Junior Loan Officer
Responsible for managing a loan portfolio of $35 million with a diverse borrower base.
Evaluated the financial condition of individuals and businesses applying for lending credit with the financial institution.
Presented loan requests directly to the Directors Loan Committee.
Prepared and reconciled all monthly loan reports for the Board of Directors.
Prepared and submitted quarterly Call Reports to the FDIC in compliance with regulatory requirements.
Created Classified Asset Plan for loans that were classified as substandard, doubtful, or loss by examiners or internal risk management.
Proactively called customers regarding overdue accounts, facilitating timely payments and maintaining positive client relationships.
Capital Bank, El Paso, Texas
05/2006 - 07/2009
Credit Analyst
Prepared and presented loan presentations to the Director Loan Committee for final lending decision.
Worked in partnership with lenders to develop client relationships.
Established an improved process for extracting loan data for Call Report.
Managed loan exceptions for loan officers resulting in a decreased exception rate below 10%. Education:
Bachelor of Business Administration in Accounting from University of Texas at El Paso, Summer 2010
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