Credit Analyst

Matthew Diamond

*** ********* *****, ********, ** 07834

(Relocating to Southern California ASAP at own expense)

Cell: 973-***-****

E-Mail: **********@*****.***

OBJECTIVE:

To secure a position in Southern California within a dynamic, growing organization that utilizes my finance background and experience.

PROFESSIONAL EXPERIENCE:

Lakeland Bank, Wyckoff, NJ

Senior Credit Analyst / Assistant Vice President January ’12 – Present

• Management of the Construction and Commercial Real Estate Division’s loan portfolio.

• Present loan packages to Senior Management and Board of Directors at bi-weekly committee meetings.

• Use financial modeling and hurdle rate analysis to ensure loan relationships are profitable.

• Cross sell various bank products such as wealth management services and consumer loans.

• All responsibilities listed below.

Lakeland Bank, Wyckoff, NJ

Senior Credit Analyst / Assistant Treasurer January ’09 – January ‘12

Responsibilities include:

• Coordinate necessary documents for loan closings with attorneys, appraisers, and environmental engineers.

• Monitor and approve advances on construction loans.

• Generate new business opportunities through calling on new business prospects as well as centers of influence (attorneys, accountants, etc.).

Lakeland Bank, Wyckoff, NJ

Credit Analyst June ’06 – December ‘08

Responsible for the underwriting of commercial loan requests:

• Prepare supporting documentation and analysis for different financing requests including single family construction, multifamily construction, commercial construction as well as traditional commercial mortgages and lines of credit.

• Analyze financial statements including income statements, balance sheets, personal tax returns, credit reports and rent rolls pertinent to commercial loan approval.

• Prepare collateral analysis, financial analysis, personal cash flow analysis, rent roll analysis, proforma cash flow analysis, AR / AP aging summaries, and reports on prospective clients for loan committee meetings and existing clients for portfolio maintenance.

• Prepare annual loan reviews and account analysis for Executive Management.

Kenneth Vercammen & Associates, Edison, NJ

Law Clerk, Intern Summer 2005

• Preparation of legal documents such as retainer agreements and judicial letters.

• Pre-interviewed clients for supervising attorney at court proceedings.

EDUCATION:

2012 Montclair State University, Montclair, NJ – Masters of Business Administration

• 3.7 GPA

2006 The College of New Jersey, Ewing, NJ

Bachelor of Science in Business Administration, Specialization in Finance

• Member of varsity basketball team

2005 Bond University, Gold Coast, Australia - Study Abroad Program

Skills/Proficiencies:

Microsoft Office (Excel, Word, PowerPoint, Outlook)

Baker Hill – Financial Statement Analyzer

Graduate of Lakeland Bank Credit Training Program

Honors/Awards:

All-NJAC Conference 2005-2006 – Men’s Basketball

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