Andrew Rhoads Email & Phone Number

Iselin, Nj

Subject 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.

Iselin, Nj

Account 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.

Tinton Falls, Nj

Business 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.

Edison, Nj

Teller 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.

Bachelor Of Science - Bs, Finance

Magna Cum Laude

Associate'S Degree, Business Administration