Brandon Cuda
Credit Analyst @CommunityAmerica Credit Union
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WORK HISTORY
Credit Analyst @CommunityAmerica Credit Union
Lenexa, KS, US
Perform analysis of loan applications, financial statements and tax returns.• Prepare financial statement spreads, trend analysis, and ratio analysis to assess cash flow, collateral, industry risks, and guarantor strength.• Categorize and use business member information to interpret financial and industry specific trends.• Conduct site visits and appraisal reviews to assess collateral offered for new and existing loans.• Provide recommendations to management on loan structure, risk rating, pricing and covenants.• Collaborate with management and business loan officers to develop credit memos and presentations for the appropriate level of lending authority and/or loan committee.• Maintain on-going communication with business loan officers.• Monitor existing member business loans for compliance with loan covenants and monitor borrowing base requirements.• Assign appropriate risk ratings to new and existing loans and identify any deterioration or change in business member capacity to meet the terms of the loan and related covenants.• Review loans that have become delinquent or are otherwise determined to be on the watch list, and make recommendations for modification and/or restructure when appropriate.
EDUCATION
Metropolitan Community College-Maple Woods
Associate in Arts - AA
University of Missouri-Columbia
Bachelor of Science - BS
ABOUT BRANDON CUDA
I am employed full-time as a Credit Analyst in the Commercial Banking division of CommunityAmerica Credit Union at our corporate headquarters in Lenexa, Kansas. I graduated in May 2024 from the University of Missouri, earning a Bachelor of Science in Business Administration, with an emphasis in Finance and Banking, as well as a Certificate in Human Resource Management and a Certificate in Investments.
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