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.

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.

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.
• 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.

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.

Bachelor Of Science - Bs, Finance

Magna Cum Laude

Associate'S Degree, Business Administration