As a Commercial Credit Analyst II, I conduct thorough analysis of financial statement and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence. I also aid in preparing loan write-ups for th loan committee, while assisting to ensure that loan risk rating and credit quality standards are adhered to.This includes spreading and analyzing complex business financial statements of existing and prospective clients to evaluate the risk associated in extending credit.On top of that, I am responsible for completing clear, detailed credit write-ups that summarize the borrower’s complex financial condition and evaluating repayment capacity, collateral coverage, and independently completing the underwriting function for recommendation of the credit risk rating.

In the credit analyst role, I was responsible for approving the extension of credit and making recommendations to bankers/relationship managers making the final lending decisions on new, renewal and extension of loans to commercial and commercial small business customers. The Analyst role also included conducting a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on the existing and prospective customers. This required constant one on one with bankers/relationship managers to obtain all current customer information and build spreads that accurately recommended the best course of action on a request whether it was to approve or deny the request. This included reviewing customer accounts and portfolios to identify, evaluating and determining the appropriate course of action on potential credit quality issues and minimizing risk and potential loss to the bank.

This position on the Business Banking team focused mainly on small business loans and lines of credit. Specifically, for Developer & Investor (D&I) and Commercial & Industrial (C&I) clients. I was responsible for working directly with Relationship Managers to get current, accurate, personal and business tax data. I formatted that information into spreadsheets and used it to draft and finalize credit memos outlining either reasons for approval or denial of financial requests for new or existing facilities.

This position was in the Centralized Lending Group within Wealth Management. Operating with minimal supervision, it required a high degree of attention to detail in a fast-paced work environment to perform credit analyses. Daily tasks included gathering, analyzing and interpreting all types of credit information on existing and prospective customers and portfolios. The turnaround on requests could be anywhere from 15 business days to 24 hrs, depending on the amount requested and the type of facility. Tasks also included monitoring customer accounts and/or loan portfolios to identify potential issues (and thereby maximize credit quality and minimize the company’s credit risk and potential loss), and preparing and presenting credit reports to person(s) responsible for maintaining control over the credit standings of individual accounts and portfolios (and for making lending decisions on new, renewal and extension loans). Generally, I furnished information relative to credit inquiries to appropriate parties. Among all these other duties, I also served as Lead Project Manager on a 12-month internal project to streamline and refine the documentation system (eTransmittal) for department-wide uniformity.

My position at Masterplans during this time was a hybrid role that alternated between continuing my previous project management work and working with the VP of Operations and the CEO to build a new income stream, selling and consulting on business plans for EB-5 clients (clients who were planning to open a small business as part of their immigration visa requirements).

This position was an ongoing freelance contract I’d taken up during my free time to hone my editing and copywriting experience. I performed 'quality check' on publications, usually just before they were due to go to online posting. I also checked that the text matched the original, spelling and style were correct and consistent, and identified any changes that needed to be addressed with the author. Lastly, I wrote publishable summary copy for publications to be posted to Amazon online listings covering the plot description, author bio, and overall summary of the publication.

This was a nine-month contract position that honed many of my analyst skills for social media, introduced me to data gathering tools, and gave me valuable experience presenting data to principals and stakeholders. Daily tasks included monitoring and measuring publication lists and broadcast outlets for ongoing mentions of current products and clients. I was then tasked with creating internal documentation of analysis of social media sentiment for clients and account teams regarding Microsoft campaigns and products. This required using various programs such as Topsy, Brandwatch, and Visible Intelligence. Then I would frequently use PowerPoint and Microsoft Excel for the preparation of reports, studies, and analysis to build reports with the qualified analysis based on feedback from cable news and other affiliate coverage. These reports were part of the packages prepared for clients handled by the Accounts Team to show how specific campaigns or launches had performed or to speculate how they could perform in the future. Clients included Microsoft, Adobe, and Cisco.

Project Manager position within the company that worked directly with the sales, marketing, and vendor relations departments on growing specific sales lines that were too small for their own account representatives but could potentially be built into long term streams of income. I was responsible for inside sales leads management, negotiation of one-time and potentially recurring bulk purchases by consultants or education organizations, and consulting start-up resellers with integration options and sales solutions. I acted as the point person for internal organizational solutions using Basecamp and Highrise, authoring internal processes, and copyediting of marketing materials. I was also the liaison for Vendor Relations regarding leads and generation of purchase orders for large volume discount sales of products. Towards the end of the position, I stepped in to serve as the lead sales associate for Costco.com and Orderborder.com. Since I had previous experience working in convention operations, I served as a convention representative for Dr. Bott, LLC at the 2010, 2011, and 2012 Consumer Electronics Show.

This position operated as both an account manager for new and ongoing accounts with Masterplans as well as the project manager for the services and products requested by the accounts. I worked directly with the clients to gather as much information necessary to develop financial analysis for business plans that presented profit and loss, balance sheets and cash flow statements based on past performance and detailed client information. I also was required to organize, schedule, and track an average of 15 weekly deliverables and maintain project load of 100 active projects at any given time. Since I was also running the project side of these deliverables, I managed a team of 5 employees to draft marketing solutions, conduct consumer research, and create financial pro forma for each project I was assigned to. I oversaw the creation of business plans through all phases of development while maintaining scope, schedule, and budget and then was responsible for working on the revisions to the products we delivered until the end of the life cycle. Additionally, I was the crisis manager for any projects where another AM/PM had issues and the clients needed to be handed off.

For approximately 7 years, I was in charge of New Haven Homes Accounts Payable and Accounts Receivables which meant that I had to pay vendors, collect invoice payments, pay employees and contractors, collect late payments, and purchase tools, materials, and on hand inventory. This meant I was in charge of the company’s credit card accounts and credit accounts with vendors and in some cases, the application and maintenance of those accounts should we get a new vendor or have to close an account with outstanding balances. My experience saw me cover many different aspects of learning project management and also running an office. I oversaw all materials needs for multiple projects in terms of supply procurement, bookkeeping, A/R and A/P as well as processing paychecks. I would also work with licensing applications and city permit departments on multiple active projects at once keeping all documents siloed and accurate for on-time processing and delivery. Lastly, I was responsible for invoice drafting and bid coordination along with assisting the project managers on each construction project from small to mid to large including residential and commercial. Throughout my time with the company, I was the point person for internal organizational solutions using QuickBooks, authoring internal processes, and copyediting of bids and invoices.

Learned basic scheduling and costing skills for publishing projects, worked on multiple archiving projects, proof-reading assignments, and talent coordination strategy. Routinely finished tasks ahead of due dates and received advising from the Managing Editor on future professional goals.