Daniel Maddox Email & Phone Number

Fredericksburg, VA, US

Fredericksburg, VA

Fredericksburg, Virginia

• Primarily responsible for the underwriting of new commercial loan requests up to $6 million and prepare credit memos for presentation to the bank’s approval committee.
• Perform detailed analysis of financial statements, tax returns, cash flow data, real estate rent rolls, financial ratios and related materials.
• Provide junior credit analyst with training in analysis of more complex loan requests.
• Prepare pro forma financial statements when necessary for use in loan analysis.
• Managed the implementation of and conversion to a new financial spreading software. This included the development of new procedures and training of bank staff.
• Create ad hoc and recurring reports analyzing the bank’s loan portfolio using Microsoft Excel for presentation to bank management.

Fredericksburg, VA

• Analyzed financial statements, tax returns, cash flow data, real estate rent rolls and related materials.
• Reviewed business application and financial data for credit worthiness and repayment capacity.
• Approved terms and structure of new loan requests within lending authority of $750,000 and recommended decisions on loans exceeding that amount.
• Provided written loan memos outlining support for the loan decision.
• Maintained ongoing communication with business Relationship Managers and Loan Officers to gather necessary information and relay loan decisions.
• Managed the reviews and renewals of all small business loans.

Ruther Glen, VA

• Performed initial credit analysis on small business loan renewals and reviews.
• Designed, managed, and analyzed reports on the Business Banking portfolio.
• Aided in the design of an automated portfolio monitoring system.
• Helped determine criteria for pre-emptive freezes of consumer and business lines of credit based on credit score trending.

• Managed month-end invoicing for certain engagements, assisted in preparation of engagement budgets and interim and final project reports.
• Completed various Medicare and commercial insurance cash acceleration engagements which improved cash cycle for clients in the health care industry.
• Conducted an emergency room coding audit, identified approximately $3 million of over-coding instances and calculated financial penalties owed to various health insurance companies.

Peoria, Illinois Area

• Developed risk matrices for the 2nd Mortgage and HELOC departments to determine interest rate premiums based on credit score.
• Analyzed delinquency rates for automobile loans among credit score ranges.

Master Of Science (M.S.), Finance

Activities and Societies: Completed a seminar on Financial and Valuation Modeling in Excel conducted by Wall Street Prep, Inc.

Bs, Finance