Austin Harris Email & Phone Number

Scottsdale, Arizona, United States

Mesa, Arizona

Mesa, Arizona

Scottsdale, Az

Mesa, Arizona

As a Senior Underwriter my duties included supporting an assigned lending unit in the credit analysis and underwriting of commercial loan packages, my primary responsibilities included: • Conducting a full and comprehensive analysis of each business prospect in order to assess the credit worthiness of each commercial loan origination and renewal. • Utilizing a detailed financial analysis process, I prepared credit presentations utilized by credit administration in the approval process. The credit analysis process included a full and comprehensive financial analysis of historical cash flow trends, balance sheet and capital structure, collateral position, projections, management performance, with the purpose of identifying and mitigating all risks associated with the transaction. • Attended prospect calls on occasion, providing opinion and feedback on prospects and loan structure.• My responsibilities also included assisting my assigned lending units in portfolio maintenance items such as the management of covenant testing and tickler maintenance, and annual large relationship reviews.• Industries of experience include manufacturing, general contractors, various professional services including attorney and medical practices, IT & Software, and franchise financing among others.

Phoenix, Az

My job at Business Development Finance Corp. is to work with small business throughout Arizona and the southwest in order to provide them the right financing tools in order to help them expand their businesses. At BDFC, I've gained valuable experience working with various businesses in a wide variety of industries including healthcare, manufacturing, real estate and property management, hospitality, and the restaurant industry. My primary responsibility is the underwriting of commercial loans through a detailed credit analysis process that includes:• Conducting financial statement analysis in order to assess business trends• Utilizing cash flow analysis of business and personal cash flows in order to determine credit worthiness. • Preparing credit presentations, presenting facts, and offering insight to management and business associates on risk factors and credit worthiness of potential clients.• Working with banks and non-bank lending institutions to structure loans and loan terms on transactions up to $13 million

Greater Salt Lake City Area

Working at Zions Bank gave me an excellent opportunity and introduction into the SBA 504 small business lending market. While working at Zions Bank, I was exposed to lending markets nationwide, as the Zions Bank National Real Estate Group is the nation's leading 504 lender. My role and responsibilities as a Sr. Credit Analyst include: • Conducting credit investigations and analyzing credit information regarding commercial real estate loans.• Evaluating and analyzing personal and business financial statements and related materials to determine financial conditions and trends.• Utilizing Moody’s Risk Analysis software to spread and analyze financial statements.• Using appropriate tax analysis to determine cash flows.• Preparing and underwriting credit presentations for loan approvals.• Preparing summaries, presenting facts, and offering opinions regarding credit worthiness and/or issues to credit approvers and management.• Assisting loan officers in the closing process for commercial real estate loans.

Sets financial review appointments with tax clients Utilizes strategic financial model to assist individuals with wealth management Strategically assess and manage risk and liability exposure Coordinate and implement the use of financial tools to restructure clients financial situationAssists with the development of a new financial services division

Mba

Bachelor Of Arts, Finance

Bachelor'S Or Science, Finance