JP Morgan Chase

Credit Ops Analyst I• November 2022 - Present

• Underwrite and assign a risk rating for Commercial, Nonprofit, and Government Finance credit card applications.
• Underwrites include financial analysis on the obligor, debt service coverage, cash flow coverage, and liquidity analysis on the obligor.
• Some applications also include underwriting the associated personal financials of the obligor, including debt service coverage, credit bureau inquiries, and AGI analysis from the personal tax return.
• Decision applications with either an approval, a counter-offer, or a decline.
• Perform annual portfolio risk reviews to assess overall risk of a client relationship and determine if aggregate exposure should be maintained, reduced, or closed.
• Perform secondary sign-off for low line deals by reviewing applications submitted by a low line analyst for concurrence.

ATR International

Commercial Credit Underwriter• September 2022 - November 2022

• Underwrite and assign a risk rating for Commercial, Nonprofit, and Government Finance credit card applications.
• Underwrites include financial analysis on the obligor, debt service coverage, cash flow coverage, and liquidity analysis on the obligor.
• Some applications also include underwriting the associated personal financials of the obligor, including debt service coverage, credit bureau inquiries, and AGI analysis from the personal tax return.
• Decision applications with either an approval, a counter-offer, or a decline.

BB&T/Truist

Credit Delivery Analyst/Alternate Delivery Analyst• May 2019 - April 2021

• Perform loan reviews for existing corporate clients by analyzing cash flow leverage, debt service coverage, and several other vital trends.
• Perform market analysis on several new and existing corporate clients.
• Support internal Portfolio Management and Capital Market Corporate Banking associates in various underwriting activities.
• Perform a risk rating assessment based on financial trends, company outlook, liquidity/liquid access of the company. A market analysis to determine market trends/outlook is also part of the risk rating assessment.
• Underwrite Reg D (related/subsidiary exposure) for the company, including ACH exposure, overdraft exposure, credit card exposure, and line of credit exposure.
• Proficient with Moody’s Creditlens and S&P CapIQ.

BB&T

Credit Analysis Team Lead I• July 2018 - May 2019

• Managed a team of five credit analysts and participated in the on-boarding and training of new associates.
• Supported the Capital Markets Corporate Banking team by working with assigned Portfolio Managers and monitored quarterly covenants for the Mid-Atlantic, Midwest, and North East regions.
• Supported internal account officers in the Baltimore, Greater Maryland, and James River regions for financial spreading related tasks.
• Successfully completed the Commercial Lending Shadowing Program which including gaining exposure to the job responsibilities for Relationship Managers, Portfolio Managers, Regional Loan Administrators, Commercial Fulfillment Specialists, and ARG.

BB&T

Commercial Credit Analyst II• October 2015 - July 2018

• Analyzed financial and completed spreads for various business and personal clients.
• Cross-trained on the Government Finance, Nonprofit, and Commercial Real Estate specializations.
• Earned a spot on the department’s Top Performers List multiple times, including six consecutive months.
• Helped with the department’s quarterly CCAR initiative.
• Successfully completed the Risk Analyst Academy through BB&T University which included Fundamentals of Financial Accounting, OMEGA, and Business Lending at BB&T.

Allegacy Federal Credit Union

Lead Members Service Representative• June 2011 - October 2015