Consultant Resume

PROFILE:

Formally credit trained MBA with fifteen plus years of experience in commercial banking encompassing credit, financial analysis, business development and commercial lending. Experienced in liquidation, credit audit, portfolio management and restructuring solutions. Effective in gaining consensus and developing impact solutions. Provided analysis, quarried loan officers, drafted a report with risk ratings/work out solutions. Fifteen of experience with both C&I and Commercial Real Estate loans. Liquidation experience - held eight separate companies in receivership with $50MM in bad loans already written off by the bank. Fifteen years of credit decision experience with various regional and national banks and defending their credit quality to executive management. Experience in financing structures includes: HLT’s, LBO’s, cash flow lending, ABL’s, distressed debt, acquisition financing, work outs/restructures.

TECHNICAL SKILLS:

Software: Microsoft Excel (Advanced level), Visual Basic, Macros, Pivot Tables Python(Pandas, Numpy, Matplotlib) R, SQL, HTML5, CSS

Modeling Skills: DCF, Cash flow modeling, NPV, EVA, Scenario Analysis

EXPERIENCE:

Confidential

Consultant

Responsibilities:

Performed financial analysis, financial modeling on Commercial Real Estate and C&I portfolios.
Executed due diligence on credit portfolios in order to get them to become compliant with CCAR requirements.

Confidential

Financial Analyst

Responsibilities:

Performed financial analysis and capital budgeting on customers.
Managed client billing and A/R’s. Drafted project proposals and Pro-forma financial statements for the firm.

Confidential

Credit Consultant

Responsibilities:

Performed credit analysis, and financial analysis on new business customers.
Made recommendations and assigned credit grades on C&I, and Real Estate.

Confidential, Boston, MA

AVP/Portfolio Manager

Responsibilities:

Credit analysis and financial analysis on existing business customers and new clients.
Made recommendations and assigned credit grades on the C&I, Real Estate and Confidential portfolio.
Structured deals that were in compliance with the policies of the bank.

Confidential, Worcester, MA

Credit/Portfolio Manager

Responsibilities:

Performed credit analysis, financial analysis and loan structuring on new and existing firms for the C&I and Real Estate portfolios.
Utilized credit, corporate finance and financial modeling techniques.

Confidential, Cambridge, MA

Business Banking Officer

Responsibilities:

Business development, called on middle market companies in the greater Boston/#128 marketplace.
Managed relationships and engaged in cross selling of all bank products and services including cash management and lending products.

Confidential, Salt Lake City, Utah

Commercial Loan Officer

Responsibilities:

Restructured loans in order to protect the collateral of the bank.
Successfully completed an exemplary credit program in order to become certified as a credit profession in Commercial Lending.
Performed credit analysis on the C&I, Real Estate and Confidential portfolios.

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