Dawlat Almakadsi

About Dawlat Almakadsi

Commercial Credit Analyst with extensive experience in financial statement analysis, cash flow assessment, and risk evaluation to support commercial lending decisions. In addition to underwriting, I am responsible for CRA program monitoring, including compliance data tracking, volunteer coordination, and preparing reports for the Community Investment Committee. With a Master’s in Public Administration (MPA), I bring a unique ability to bridge finance, policy, and governance, supporting both organizational compliance and community impact.I am also active in community volunteering, contributing to a variety of nonprofit initiatives across Arizona, including outreach, recovery, and service projects that strengthen community well-being.

Experience

1. Commercial Credit Analyst Cra Program Monitoring & Compliance

   Integro Bank

   May 2023 — Present

   Conduct commercial credit analysis, including financial statement reviews and global cash flow assessments, to support loan underwriting and approval decisions.• Ensure compliance with internal credit policies, SBA requirements, and regulatory standards.• Order and review third-party reports such as appraisals, environmental assessments, business valuations, and credit checks.• Monitor and track CRA activities, including loans, donations, and volunteer service hours, ensuring accurate reporting.• Prepare presentations and reports for the Community Investment Committee, providing insights on CRA performance.• Coordinate employee volunteer initiatives and partner with community organizations to strengthen CRA compliance and impact.

Education

• Al-Mansour University College

  Bachelor of Science - BS, Commercial and Banking Science (Finance)

  1995 — 1999

• Grand Canyon University

  Master's degree, Public Administration with an Emphasis in Government and Policy

  2019 — 2020