Jake S.

About Jake S.

Experienced Credit Analyst with a demonstrated history of working in the banking industry.

Experience

1. AVP, Credit Underwriter

   Commencement Bank

   Jun 2018 — Present · Tacoma, WA, US

   Analyzed over financial statements (using Moody’s Analytics, Abrigo Sageworks, and a proprietary Excel model) to identify and explain the root causes of trends in operating and financial performance• Underwrote over 20 loans per month, ranging from $10 thousand to $10 million. Loan types include C&I LOCs and term loans, SBA 7a and 504, real estate (OO-CRE, NOO-CRE, MFR, SFR), and consumer LOCs and HELOCs• Worked with a small team to create and implement nCino (loan origination system) for the entire company• Performed industry, collateral, company, and guarantor analysis on every write-up• Helped create/adjust pricing, loan fees, and loan structure as needed• Trained new credit analysts• Worked with and underwrote for 20+ different lenders• Managed credit risk from existing loans using various methods, including covenant checks, trend analysis, and annual term loan reviews. Recommended risk rating changes when warranted• Underwent formal training at the Credit Analyst Development Program with the Washington Bankers Association

Education

• Brigham Young University - Idaho

  Business Management

  2012 — 2017

Skills

• Leadership
• Microsoft Powerpoint
• Public Speaking
• Marketing
• Microsoft Excel
• Spanish
• Problem Solving
• Management
• Team Building
• Finance
• Teamwork
• Microsoft Office
• Microsoft Word
• Team Leadership
• Time Management
• Social Media