Sam Olmstead Email & Phone Number

San Diego, CA, US

Sacramento, California, United States

Sacramento, California, United States

• Complete annual credit review underwriting for relationships totaling over $2 million in exposure to the bank, measuring DSCR and LTV covenants.
• Successfully reviewed and analyzed 150 CRE loans totaling over $350 million.
• Prepare cash flow analysis on income-producing properties to evaluate borrower creditworthiness and recommend risk mitigation strategies.
• Evaluate appraisals on subject loan collateral against internal estimates to ensure that the current market price meets covenants.
• Perform proforma analysis on newly formed entities for cash flow and credit projections.
• Present monthly to the Chief Credit Officer and Management Loan Committee for approval on subject credit risk rating adjustment.

Sacramento, California, United States

• Credit Administration rotation
• Accounting Department rotation
• SBA Credit Analyst rotation

Tacoma, Washington, United States

• Implemented a margin analysis process adjusting prices by category to maintain competitiveness within the dental supply industry
• Receive, validate and upload annual vendor cost increases into internal GP database
• Updating quarterly promotions report of over 7000 SKUs that are reviewed and uploaded to company website by the President
• Curate and distribute 29 month-end sales reports to vendors outlining specific product performance
• Managing the vendor rebate program which leverages monthly financial reports to forecast purchasing and sales numbers to meet vendor rebate thresholds
• Collaborating with third-party inventory management company (StockIQ), redefining parameters to better determine product profitability and integrate into cycle counting and future distribution centers

Stockton, California

• Achieved Bloomberg Training Certification
• Covered Consumer Staples and Industrials sectors to assist with managing a $3.8 million portfolio; comprising of $250,000 and $400,000 of the portfolio, respectively
• Conducted equity-specific and industry research along with valuation techniques to identify undervalued equities (Discounted Cash Flow, Discounted Dividend Model)
• Prepared and presented detailed reports in portfolio holdings and economic factors
• Successfully recommended two new securities for the Fund to purchase (US Food Holdings and Raytheon Technologies)

University Of The Pacific

University Of The Pacific

Santa Clarita, California

Bachelor'S Degree, Business Administration, Finance

Activities and Societies: Pi Kappa AlphaDean's Honor Roll 2018-2020

Education record