Cassie Cubbage

Quantitative finance professional with 10 years of banking experience and 8 years of underwriting experience specializing in credit risk, IRR, liquidity risk, financial analysis, stress testing, and regulatory compliance.

AVP, Credit Analyst at First Citizens Bank (formerly CIT Group) (2021-03 – 2026-06)

• Conduct financial and risk analysis; perform stress testing and scenario analysis; evaluate capital structure; ensure regulatory compliance; collaborate across teams; manage QARs supporting fraud monitoring; awarded $1MM loan authority within first 90 days.

Commercial Credit Analyst I at Southern States Bank (2018-01 – 2021-03)

• Performed financial, liquidity and leverage analysis; prepared credit memorandums; evaluated interest-rate exposure; conducted industry analysis; promoted within 8 months.

Risk & Operations Support at Wells Fargo (2014-06 – 2017-12)

• Supported fraud detection and operational risk monitoring; maintained regulatory compliance; improved operational processes; researched transactions and resolved account issues.

B.S. in Financial Management – University of Alabama at Birmingham (2016)