Corporate & Investment Bank | Wholesale Credit Risk | Energy | J.P. Morgan

Corporate & Investment Bank | Wholesale Credit Risk | Energy | J.P. Morgan• In charge of analyzing and organizing syndicated credit transactions for investment grade energy companies with revenues greater than $2Bn.• Partner with Debt Capital Markets, Equity Capital Markets, Global Corporate Bank, Commercial Bank, and Legal teams.• Underwrite and approve transactions for Investment Grade Power & Utility companies across North America.

o Primary job responsibilities were on the Specialized Industry, Agribusiness, Food & Hospitality Team.o Developed relationships with a portfolio of companies through the maintenance and analysis of their credit lending needso Collaborated with senior management, relationship managers, and credit to originate, monitor, and grow middle market portfolio and client prospectso Previously Accountable for credit underwriting and origination, portfolio monitoring, renewals and annual reviews, coordination of pricing, revenue growth, and relationship profitabilityo Ensured credit policies and compliance requirements were maintained by managing internal audit of credit reports and customerso Analyzed diversified industries such as: dairy, grain, cattle markets, etc.o Visited customers’ operation centers to assess businesses and meet with owners/managers

Specialized Industries Food & Beverage/Agribusiness Division:o Completed the 3-year Financial Analyst Program and all associated instructor led training courses based on credit fundamentals in 2 years.o Assisted Portfolio Managers and Relationship Managers in completing credit reports for Borrowerso Organized and Completed Credit Reports in my portfolio for Borrowerso Worked on special projects for the officeo Helped with assessments with managers to visit Borrower's operationso Tracked reporting requirements for Borrower’s and analyze resultso Analyzed financial statements of Borrowers and discuss resultso Completed Intermediate Credit Fundamentals Training (CFT2)

Specialized Industries Food & Beverage/Agribusiness Division:o Partnered with relationship managers and portfolio managers in structuring, monitoring, and underwriting credit risk for companies.o Work on special projects for the officeo Go on assessments with managers to visit Borrower's operationso Track reporting requirements for Borrower’s and analyze resultso Currently in process to complete the 3 year Financial Analyst Program (FAP)Development Hub Stage: 6 month Training in Charlotte, NC:o Assigned and completed 11 credit reports for various Borrowerso Completed Introduction to Credit Fundamentals Training (CFT 1)o Completed Financial Accounting for Lenders and Financial Modeling in Excel Trainingo Assigned to a committee to speak with and set up meetings with Executives from multiple Divisions of the Banko Assisted in diverse volunteer eventso Worked in teams to complete case studies on financial spreads and reportso Finished various kinds of accounting course work, case studies, and examso Completed assorted types of financial spread observationso Finished 6 months of training in the Commercial Banking Development Hub in Charlotte, NC

o Scheduled employee break timeso Supervised and assisted cashiers and sackerso Opened and closed the storeo Trusted with money operations

o Handled moneyo Trained cashiers and sackerso Assisted in other departments

o Sacked groceries for customerso Carried and loaded groceries in the customer’s car

o Manage the soccer officialso Evaluate all officialso Assist players with issueso Develop leadership and situational awareness skills

o Manage the intramural soccer fields, basketball courts, etc.o Assist the intramural supervisors with equipment needs

o Officiate intramural soccer gameso Develop conflict resolution and communication skills

o Developed Business Underwriting skillso Completed and assisted with multiple credit reports for borrowerso Visited dairy farms on borrower assessmentso Organized borrower files for internal audito Completed collateral trend report chartso Organized share drive fileso Updated the dairy monitoring report for all dairy borrowerso Updated and reviewed financial data and Company spreadsheets

o Developed an understanding of current car inventoryo Completed certifications for new vehicleso Successfully assisted customers in purchasing new and used vehicleso Delivered vehicles to customers and other dealershipso Effectively negotiated with customers

Refereeing kids from ages U5-U15