Andrew Rhoads Email and Phone Number
In the world of banking and financial services, my career has been characterized by a steadfast commitment to excellence, from the front lines of customer service to the realm of credit analysis and the strategic implementation of technology. My journey reflects a deep-seated understanding of the financial industry, underscored by a proven track record of navigating complex credit decision-making processes and underwriting for real estate and commercial loans with unwavering precision.My expertise extends to the development and meticulous maintenance of critical banking systems, where I have employed a keen analytical eye to assess financial statements, conduct market research, and craft bespoke analytical tools designed for intricate credit evaluations. This blend of technical skill and practical insight has been foundational in elevating the quality and efficiency of credit assessments, ensuring that they are not only comprehensive but also meticulously detailed.The cornerstone of my professional ethos is a high level of detail and follow-through, paired with an agile ability to adapt to the ever-changing landscapes of the banking sector. My journey through the industry has taken me from the foundational roles of teller services to specialized positions in credit analysis, each step underpinned by a solid educational background in finance and accounting. This unique blend of hands-on experience and academic knowledge has been instrumental in my ability to understand and navigate the multifaceted nature of banking services.A significant milestone in my career was playing a pivotal role in a major loan origination system replacement project, where I leveraged technology to streamline operations, enhancing both efficiency and service quality. My ability to work collaboratively has been key, enabling me to communicate effectively with loan originators, manage and monitor loan portfolios, and ensure compliance and performance against expectations.Reflecting on my career, I am proud of the dynamic path I have carved out within the banking and financial services industry. My dedication to excellence, coupled with a comprehensive skill set and an unwavering commitment to service, has not only driven my professional growth but also contributed significantly to the organizations I've been privileged to serve.
Provident Bank
View- Website:
- provident.bank
- Employees:
- 1254
-
Credit Technology Analyst Ii | Universal BankerProvident Bank Dec 2020 - PresentIselin, NjSubject Matter Expertise:• Serve as a subject matter expert on the Commercial Loan Origination System, providing crucial internal support services to meet the needs of internal customers effectively.• Utilize foundational knowledge of spreads and cash flow preparation techniques to enhance the new and renewal credit process, thereby improving the efficiency of credit operations.Project Contributions:• Played a key role in the Moody's Loan Origination System replacement project, contributing expertise during design, build, conversion, and implementation phases to ensure project success.• Provided valuable insights and recommendations to optimize system functionality and user experience.Documentation & Training:• Authored comprehensive guides, training manuals, and logs for User Acceptance Testing (UAT), facilitating seamless system adoption and proficiency among end-users.• Conducted training sessions to educate staff on system features and functionalities, ensuring smooth transition and increased productivity.Reporting & Decision Support:• Developed and maintained specialized reports from the Commercial Loan Origination System to support strategic decision-making within the Commercial Bank and Credit Administration departments.• Provided customized reports and analysis to stakeholders, enabling informed decision-making and proactive risk management.Professional Development:• Successfully completed a formal underwriting training program sponsored by the Bank, deepening understanding of credit assessment and risk management under expert mentorship.• Applied acquired knowledge and skills to enhance underwriting processes and improve credit quality within the organization.
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Staff AccountantRcg Global Services Feb 2020 - May 2020Iselin, NjAccount Reconciliations & Analysis:• Executed and monitored account reconciliations, employee headcounts, and comprehensive analysis of revenue and costs, contributing to detailed financial oversight and strategic planning.• Conducted thorough reviews of general ledger accounts and financial statements, ensuring accuracy and completeness of financial data.Financial Reporting:• Prepared a variety of financial reports to facilitate accurate and timely month-end closings, providing essential information for management decision-making.• Generated insightful analyses of revenue trends, cost drivers, and variances, enabling informed strategic decision-making.International Finance Support:• Offered pivotal accounting support to the Finance Manager, focusing on the company's operations in India, demonstrating a strong understanding of international finance and accounting practices.• Collaborated with cross-functional teams to ensure compliance with local regulatory requirements and adherence to international accounting standards.Month-End Close Process:• Played a key role in the month-end book closing process, ensuring financial records were accurately maintained and compliant with accounting standards.• Supported the Finance Manager in preparing financial statements and reports for internal and external stakeholders, contributing to transparent and reliable financial reporting. -
Sba Administrator/Credit Analyst Trainee | Loan Operations ClerkTwo River Community Bank Apr 2019 - Feb 2020Tinton Falls, NjBusiness Evaluation:• Conducted in-depth financial analyses of businesses applying for bank services, assessing their financial history and condition to determine the feasibility of extending requested services.• Evaluated direct and contributory factors affecting business viability, including industry status, business operations, collateral, and cash flow, ensuring comprehensive risk assessments.Compliance and Policy Adherence:• Analyzed risk ratings, loan structures, and deviations from the SBA SOP 50 10 and bank loan policy, ensuring adherence to regulatory standards and internal policies.• Conducted thorough research to assess credit risks and prepared presentations for lending and credit approval authorities, facilitating effective communication and decision-making within the bank.Customer Examination and Credit Decision:• Performed rigorous examinations of existing and new customers seeking banking services, identifying financial trends, assessing strengths, and calculating credit risk to support informed credit decision-making processes.• Prepared detailed written analyses to support credit decisions for SBA 7(a), SBA 504, and conventional loans, synthesizing complex financial information into actionable insights.Contributions to Credit Process:• Played a key role in the credit decision-making process by providing valuable insights and recommendations based on financial analysis and risk assessment.• Collaborated with lending and credit teams to ensure sound credit decisions aligned with the bank's risk tolerance and objectives. -
Teller IiTd Apr 2017 - Apr 2019Edison, NjTeller Operations:• Provided exceptional teller services by efficiently handling cash transactions, check deposits/payments, loan payments, and other routine financial activities, ensuring accuracy and adherence to bank procedures.• Accurately verified currency amounts and balanced cash drawers at the end of each shift, ensuring financial integrity and compliance with bank policies.Customer Interaction:• Engaged with customers both in-person and via telephone or email, addressing their current financial needs effectively and advising on potential banking solutions.• Educated both prospective and current customers on bank products and services, enhancing customer knowledge and supporting informed financial decision-making.Sales Achievement:• Consistently exceeded individual quarterly sales goals, demonstrating excellent sales acumen and a proactive approach to customer service and product promotion.• Identified opportunities to cross-sell bank products and services to meet customers' financial needs, contributing to increased revenue generation and customer satisfaction.
Andrew Rhoads Education Details
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Finance -
Business Administration
Frequently Asked Questions about Andrew Rhoads
What company does Andrew Rhoads work for?
Andrew Rhoads works for Provident Bank
What is Andrew Rhoads's role at the current company?
Andrew Rhoads's current role is Finance & Banking Professional | Strategic Project Contributor | Advancing Efficiency & Compliance in Financial Services.
What schools did Andrew Rhoads attend?
Andrew Rhoads attended Kean University, Middlesex College.
Who are Andrew Rhoads's colleagues?
Andrew Rhoads's colleagues are Mark Gueci, Trevor Hart, Joseph Chinnici, Michelle Adams, Jody Simon, Jennifer Davis, Phr, Daisy Villanueva.
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