Daniel Plaat
Credit Analyst | Commercial Banking | Data Analytics & Reporting | Growth Enthusiast | Golfer
- Role
- Commercial Credit Analyst at Columbia Bank
- Location
- San Luis Obispo, CA, US
- LinkedIn followers
- 500 followers
About Daniel Plaat
I am a highly motivated individual who seeks to find answers to the tough questions. I…
Experience
Commercial Credit Analyst
Dec 2024 — Present
Evaluate data from customers, internal and outside sources; prepare spreadsheets and analyzes financial information, including financial statements and tax returns; contact customers for additional information and clarification of data-Analyze financial statements to identify, interpret, and explain root cause of trends in operating performance, financial condition and cash flow as these relate to credit risk-Assist Portfolio Managers in performing annual loan reviews, pre-qualification assessment, and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends-Proficient in spreading all types of business and personal financial statements using CASH Suites-Develop global cash flow analysis for business credits of all types-Use working knowledge of loan policy to identify loan policy exceptions and present in credit analysis-Make approvals, modifications and risk grade recommendations-Maintain a portfolio of SMB/MMB credits requiring monthly and annual reviews-Confirm and track borrowers’ compliance with loan conditions and covenants. Facilitates preparation of financial request letters through CASH OnTrack and follow up for receipt-Create reports within CASH OnTrack for ongoing portfolio monitoring-Crosstrain with other departments, such as Processing, Relationship Management, Legal, and Appraisal-Review final title policies to ensure accuracy-Communicate effectively between department and teams-Verify and cross-check information provided for accuracy-Perform special projects from time to time as required by management-Attend weekly Team meetings and contribute to the portfolio management function
Education
Boise State University
Bachelor's degree
Skills
- Public Speaking
- Marketing Strategy
- Adobe Creative Suite
- Customer Service
- Event Management
- Digital Printing
- Marketing
- Advertising
- Retail Banking
- Amazon
- Microsoft Excel
- Leadership
- Social Networking
- Social Media Marketing
- Illustration
- Salesforce.com
- Financial Risk Management
- Management
- Microsoft Office
- Sales
- Google Adwords
- Event Planning
- Social Media
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