Bushra Alam

Detail‑oriented banking professional with hands‑on experience reviewing borrower financials, verifying documentation, and supporting credit decisions across U.S. and international lending environments. Skilled in analyzing income stability, credit reports, repayment patterns, and cash‑flow behavior to assess risk. Known for accuracy, strong judgment, and a consistent focus on fair, compliant lending practices.

Currently applying analytical skills at Wells Fargo while advancing toward a full credit analyst role.

Personal Banker - Wells Fargo - Commack, NY

(2026-06)

• Review customer financial profiles to evaluate income stability, spending behavior, and overall financial health.
• Verify financial documents, identify inconsistencies, and flag potential fraud or risk concerns.
• Assess credit readiness by analyzing credit reports, debt levels, and repayment patterns.
• Explain loan requirements, gather financial documents, and ensure files are complete for lending teams.
• Maintain accurate account servicing by validating customer information and ensuring documentation meets regulatory standards.
• Recommend financial solutions based on customer goals, transaction patterns, and financial capacity.

Financial Services Representative I - Teachers Federal Credit Union - Selden, NY

(2026-01 - 2026-06)

• Worked extensively on consumer lending, including auto loans, personal loans, credit cards, and auto refinances.
• Reviewed loan applications, credit reports, income documents, and debt levels to assess borrower creditworthiness.
• Prepared complete loan files for underwriting by verifying documentation and ensuring compliance with lending policies.
• Identified risk indicators such as irregular account activity, insufficient income stability, or high debt ratios.
• Exceeded lending goals for two consecutive quarters through accurate assessments and strong loan production.
• Recognized by management for lending performance, documentation accuracy, and reliable credit decision support.
• Completed KYC/AML checks and resolved account discrepancies including disputes and transaction errors.

Retail Associate (Seasonal) - Macy’s - Lake Grove, NY

(2025-11 - 2026-01)

• Processed purchases, returns, and payment adjustments with accuracy and compliance.
• Resolved customer issues involving pricing discrepancies and order problems.
• Supported loss‑prevention efforts by monitoring activity and verifying receipts.

Financial Analyst Trainee Officer - Meridian Finance & Investment Limited - Dhaka, Bangladesh

(2024-01 - 2024-12)

• Evaluated client financial documents to assess income stability, liabilities, business cash flow, and repayment capacity.
• Prepared draft credit appraisal files including bank statements, income proofs, business documents, and collateral details.
• Monitored portfolio performance by tracking overdue installments and analyzing repayment trends.
• Supported underwriting workflows through data collection, risk‑scoring inputs, field‑visit documentation checks, and KYC verification.

Intern - Meridian Finance & Investment Limited - Dhaka, Bangladesh

(2023-10 - 2023-12)

• Evaluated client financial documents to assess income stability, liabilities, business cash flow, and repayment capacity.
• Prepared draft credit appraisal files including bank statements, income proofs, business documents, and collateral details.
• Monitored portfolio performance by tracking overdue installments and analyzing repayment trends.
• Supported underwriting workflows through data collection, risk‑scoring inputs, field‑visit documentation checks, and KYC verification.

Co-Owner - Nilavro Event Management - Dhaka, Bangladesh

(2022-03 - 2025-12)

• Managed the financial operations of a growing event management business, including budgeting, vendor payments, pricing, and cash‑flow tracking.
• Reviewed expenses, monitored profitability, and ensured accurate financial records for 30+ employees and multiple corporate and personal events.
• Evaluated costs, negotiated vendor contracts, and maintained financial controls to support sustainable business growth..
• Supported business decisions by analyzing revenue trends, project costs, and overall financial performance.

Bachelor of Business Administration (BBA) - Finance - North South University (2019 - 2023)