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Click here or scroll down to respond to this candidateCandidate's Name
Staten Island, NY Street Address PHONE NUMBER AVAILABLE EMAIL AVAILABLEProfileRecognized as a hardworking, analytical and resourceful professional, offering diversified experience in relationship management, analytics, advisement, operations and administration Employ strong leadership and negotiation skills to attain financial and operational goals Strengths in conveying conceptual ideas to clients Concise, tactful and persuasive communicator Performance reflects reliability, attention to detail, sound judgment and professionalism Cultivate and maintain productive relationships with superiors, co-workers and a diverse clientele Prioritize and multitask varied work assignments under fast-paced, high-pressure conditions Continually strive to increase expertise Software: Word, Excel and Baker Hill Internet and social media savvyCore CompetenciesCritical ThinkingAnalytical AcumenAccount ManagementPeople SkillsRisk AssessmentClient/Vendor RelationsStrategic PlanningTeam CollaborationProblem ResolutionTime ManagementTraining/MentoringFiscal ResponsibilitiesProfessional ExperienceFirst Commerce Bank, Lakewood, NJ Credit Analyst II 2022-PresentReview historical operating statements, balance sheets, income statements, annual operating statements, corporate financial statements and rent rolls. Responsible for monthly, quarterly and YTD actual vs. budget variance analysis.Bayonne Community Bank, Bayonne, NJ Credit Analyst II 2021-2022Worked in collaboration with teams across the organization to implement organizational policies and procedures. Formulated business strategies with department heads. Maintained clear channels of communication.Popular Community Bank, New York, NY AVP/Credit Analyst 2016-2021Performed reviews and complete analysis of guarantors' and entities' tax returns, Schedule E and K-1 statements.Dime Community Bank, Williamsburg, NY Sr. Commercial Real Estate Underwriter/Officer 2008-2016Other Professional Experience: Blackheath, Zenta: Senior Associate Arbor Commercial Mortgage: Structured Financial Analyst & Underwriting Emeritus Assisted Living: Financial Analyst NY Life: Marketing Analyst China Ocean Shipping Group: Accounts Receivable Representative Columbus Line: Accounts Receivable AssociateFinancial Management ExpertiseBusiness Banking:Analyze the financial health and creditworthiness of individuals and business clients. Review financial statements, cash flow projections and credit histories.Advise business clients on managing cash flow, optimizing working capital, planning for growth and navigating financial challenges. Ensure loans conform to credit risk management standards and assigned risk ratings.Focus on credit quality, regulatory compliance, covenant compliance, bank policy compliance and delinquency control.Maintain open lines of communication with senior management. Report regularly on the status, trends and credit portfolio concerns.Account Management:Develop and sustain lucrative relationships with a diverse clientele. Clients comprised of large-scale reputable financial institutions including banks and securities firms. Provide quality service ensuring optimum levels of customer satisfaction.Engage in client needs assessments to ensure alignment with short/long-range plans and goals.Develop positive, custom-tailored business partnerships. Efforts result in enhanced brand awareness and improved loyalty.Interact with executives and high-profile, high-net-worth clients. Handle client inquiries diplomatically and professionally.Administration:Responsible for the financial administration of accounts receivables and collections.Prepare reports, letters and memoranda. Develop strong relationships with a wide range of vendors and clients.Adhere to legal and regulatory requirements. Ensure client privacy and data protection.Remain apprised of economic conditions and market trends affecting current and future investment decisions.Train and mentor new hires. Educate new employees on all administrative policies and procedures. Foster a keen sense of teamwork among the staff. Facilitate positive employee/management relationships.Entrusted to manage highly confidential and time-sensitive information and documentation. Apply strong problem-resolution and analytical abilities. Initiate protocol to uphold the employers positive reputation.Education & LicensesUpsala College, East Orange, NJ B.A. Business Administration Minor: Computer Information SystemsColumbia University, New York, NY Master of Science: Real Estate DevelopmentNew York/New Jersey Real Estate LicenseReferences Furnished Upon Request |
