Credit Analyst

Minho Matthew Choi

CONTACT:

Mobile: 646-***-****

Email: ****-****@*******.***

HOME ADDRESS:

***-** **** **

Whitestone, NY 11357

EDUCATION: • Stuyvesant High School Alumnus (Class of 2001)

• Bachelor’s Economics with minor in Business from Stony Brook University (Dean’s List )

• COMBINED SAT SCORE OF 1300; LSAT SCORE 157

• COMPLETED RMA COURSES ‘CONSTRUCTION LENDING’ (8 CREDITS)

• COMPLETED CONTINUING EDUCATION COURSE ‘REAL ESTATE TITLE CLOSING’ (BARUCH COLLEGE)

EXPERIENCE:

NaraBank (Commercial Lending) 16 West 32nd St. New York, NY

(June 2006 - Present).

Commercial Lending Dept

• Developed timely, accurate and complete credit recommendations by identifying credit risks for presentation to management committee.

• Performed credit risk analysis of loan cases through complete analysis of financial statements to measure risks in market sensitivity incorporating financial ratio analysis, cash flow analysis, and trend analysis to compile accurate projections of repayment feasibility.

• Measured and assessed ratings on loan cases through industry analysis, company size and management history, collateral and liquidity safety margins and Debt service coverage ratio.

• Performed analysis of current performing and underperforming loan portfolios to identify changes in leverage, monitored credit risk and projected potential past due. Reported on profit gains through pipeline analysis and forecasted team budget allocation for loan products

• Ensured compliance with regulatory and bank policy through periodic internal reviews. Prepared files for audits by ensuring compliance with all financial obligations, loan covenants and risk mitigation requirements to meet all internal and external audit items.

Commercial Loan Underwriting

• Conducted research on client businesses through public records and company filings as well as direct interviews with client/representative.

• Performed collateral value analysis through balance sheet analysis, or in terms of secured collateral; appraisals, environmental reports and realty broker valuation modules to structure appropriate Loan-To-Value, Loan-to-Cost and margin of safety values to derive collateral leverage and liquidation assessments for proposed loan cases.

• Drafted covenant and debt obligation documents as needed; performed due diligence on client cases, reviewed and endorsed instruments such as subordination of mortgage/release of collateral documents. Performed review of contracts, closing materials and case files as well as post closing identification of credit risks and adverse changes in industry and management.

Construction Dept

• Specialized and was fully responsible for the instrumentation and supervision of all construction related loans focusing on document and disbursement reporting to control weaknesses, compliance breaches and operational loss events.

• Analyzed AIA documents with emphasis on G702 & 703 forms to ensure validity of periodic disbursement requests in relation to the scope of work completed and overrun changes to original plans. Monitored changes in leverage position and risk through progress reports.

• Verified plans and construction costs as well as schedule and disbursement through on-site inspections with third-party engineers. Worked with clients and bonding and surety agents to resolve any issues regarding violations and mechanics liens.

Community Service

• Participated in “Junior Achievements” program to speak at schools on topics such as money and banking and the importance of credit.

• Lectured “Nara Bank Scholarship” candidates on Finance and Banking.

SKILLS:

• Proficient with MSWord, Excel, Powerpoint, Quickbooks Premier Accountant Edition, Maple 5, Fidelio Check-in Systems, Windows and the Internet.

• Object Oriented Programming languages- JAVA, C++ and VBA

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