Senior Credit Analyst at T- Mobile (2023-09 – Present)
- Identified and capitalized on growth opportunities within the lending function to support business expansion.
- Analyzed Credit worthiness of enterprises and corporations applying for huge wireless products.
- Calculated financial ratios such as Debt to Income (DTI) and Working Capital for customers to determine qualification on the loan.
- Analyzed financial statements and credit reports to determine eligibility and minimize risk in applications for lines.
- Performed risk assessment by comparing customers financial health to industry benchmarks.
- Recommended credit approval or eligible and vetted applications
- Ensured timely resolution of issues and adherence to service level agreements (SLAs).
- Maintained a strong understanding of the credit cycle, risk management practices, and unsecured lending regulations.
- Communicated actively with internal and external stakeholders, including senior leadership, regulators, and partners.
- Staying up to date with regulatory requirements and ensuring adherence to relevant laws and regulations.
Commercial Underwriter at Morgan Stanley (2020-08 – 2023-08)
- Analyzed and assessed financial statements and credit history of existing and potential clients to ensure loans are appropriately structured and meet credit requirements for lending quality and compliance as determined by the Bank's Credit Policy.
- Partnered with Bankers, Portfolio Managers, and Credit Officers in managing loans and pipeline.
- Used independent judgement by identifying primary risks, issues and mitigants regarding extensions of credit.
- Participated in client site visits, client prospect calls, and in internal loan discussions to remain actively involved in structuring client loans.
Funding Analyst II at General Motors (2017-01 – 2020-07)
- Evaluated and analyzed financial information to determine eligibility for various loan products including mortgage, personal, auto, and other consumer loans.
- Guided clients through loan applications, ensuring timely collection of all necessary documentation.
- Presented and negotiated loan terms and repayment structures in alignment with institutional policies and client needs.
- Coordinated with third parties such as escrow agents, dealerships, title companies, and other financial institutions to facilitate loan closings.
- Maintained detailed and accurate records in compliance with federal, state, and institutional regulations.
Credit Analyst at Neat Lending (2014-02 – 2016-12)
- Reviewed all pertinent credit and financial information including bank files, credit reporting services, tax returns, and financial statements.
- Assisted Loan Review, Chief Lending Officer and all core bank market leaders in exam and external loan review preparation.
- Prepared spreadsheets and related financial information
- Assisted customers and peers in preparation of loan application packages for loan committee presentations.
- Monitored loan agreement covenants and borrowing base compliances and report exceptions.
- Assisted in reports on overall energy portfolio, including assessing asset quality, stress testing, market analysis, and risk analysis
