Joel Andersen Email & Phone Number

Salt Lake City Metropolitan Area

Greater Salt Lake City Area

Partnered with business unit managers to help them identify, document, and quantify their key risks and the controls in place to mitigate those risksWorked with other members of the Enterprise Risk Management team to build out and improve the risk management framework at the Credit UnionAssisted the VP of Enterprise Risk Management in preparing quarterly Enterprise Risk Appetite Metric reporting for the Risk Committee and advise on recommended additions, changes, and adjustments to… Show more Partnered with business unit managers to help them identify, document, and quantify their key risks and the controls in place to mitigate those risksWorked with other members of the Enterprise Risk Management team to build out and improve the risk management framework at the Credit UnionAssisted the VP of Enterprise Risk Management in preparing quarterly Enterprise Risk Appetite Metric reporting for the Risk Committee and advise on recommended additions, changes, and adjustments to metric calculations and thresholds Show less

Greater Salt Lake City Area

- Using SAS and WinSQL, I develop and program queries to extract a variety of forms of institutional data from a diverse array of data sources- I develop automated reports and dashboards in Excel and MicroStrategy for Complaints Management and Enterprise Risk Management partners- I prepare ad-hoc reporting for specific clients, programs, or issues

Greater Salt Lake City Area

- Responsible for managing the dealer underwriting and monitoring processes- Tasked with identifying dealers that need to be terminated or remediated, and worked with internal partners and other stakeholders to carry this out effectively and efficiently.- Managed one direct report

Greater Salt Lake City Area

- Responsible for underwriting businesses (dealers) that wanted to offer our financing product(s).- Improved / streamlined dealer underwriting processes.- Developed dealer monitoring metrics and reporting using internal data sources.- Monitored dealer activity and investigated cases of suspicious dealer activity.- Underwrote and managed credit limits for commercial credit accounts for various clients.- Underwrote and managed credit limits for VIP/High limit credit accounts… Show more - Responsible for underwriting businesses (dealers) that wanted to offer our financing product(s).- Improved / streamlined dealer underwriting processes.- Developed dealer monitoring metrics and reporting using internal data sources.- Monitored dealer activity and investigated cases of suspicious dealer activity.- Underwrote and managed credit limits for commercial credit accounts for various clients.- Underwrote and managed credit limits for VIP/High limit credit accounts for a luxury retail client. Show less

Western Michigan

- Performed on-site and off-site reviews of the safety and soundness of state-chartered banks.- Reviewed and determined the adequacy of banks’ capital adequacy, earnings, liquidity, and management of interest rate sensitivity risk.- Reviewed consumer and commercial loan files for credit risk and regulatory compliance and determine appropriate loan classifications.- Meet with bank management to discuss findings/issues.

Muskegon, Mi

- Monitored and assigned workload for the Bank’s commercial loan credit department.- Mentored and trained credit analysts by reviewing and evaluating their work- Underwrote and analyzed the bank’s more complex credits for presentation to loan committee.- Prepared real estate evaluations for complex or special purpose properties in the bank’s portfolio.- Prepared monthly and quarterly reports, including the bank’s Watch List, concentration report, and assisted with the… Show more - Monitored and assigned workload for the Bank’s commercial loan credit department.- Mentored and trained credit analysts by reviewing and evaluating their work- Underwrote and analyzed the bank’s more complex credits for presentation to loan committee.- Prepared real estate evaluations for complex or special purpose properties in the bank’s portfolio.- Prepared monthly and quarterly reports, including the bank’s Watch List, concentration report, and assisted with the preparation of the ALLL. - Prepared FAS 114 impairment analyses and criticized asset (loan review) worksheets.- Functioned as acting chairperson for monthly loan review and past due meetings. Show less

Muskegon, Mi

- Managed a portfolio of commercial loan customers.- Identified and managed problem credits and negotiated solutions.- Orchestrated and performed loan closings.- Audited customer credit files.- Created and implemented new underwriting procedures and tools- Documented and monitored SBA loans through all stages of the loan process, including liquidation.- Continued to perform the duties of a credit analyst.

- Created loan approval documents, including collateral and cash flow analysis.- Regularly reviewed customer financial statements and identified concerns or disturbing trends.- Assisted loan officers in maintaining and reviewing their portfolios, including preparation of real estate evaluations, reviewing loan agreements and other legal documents, and closing smaller loans.- Performed financial statement tracking and spreading, monitored loan covenant compliance, and prepared… Show more - Created loan approval documents, including collateral and cash flow analysis.- Regularly reviewed customer financial statements and identified concerns or disturbing trends.- Assisted loan officers in maintaining and reviewing their portfolios, including preparation of real estate evaluations, reviewing loan agreements and other legal documents, and closing smaller loans.- Performed financial statement tracking and spreading, monitored loan covenant compliance, and prepared monthly reports for management. Show less

Laramie, Wy

Performed repeated regression analysis (using SAS) on a large USDA data set.

M.S., Finance

B.A., Sociology