John Park
AVP, SBA Credit Analyst at U.S. Bank
- Role
- AVP, Sba Credit Analyst at U.S. Bank
- Location
- San Diego, CA, US
- LinkedIn followers
- 500 followers
About John Park
I bring extensive expertise with a remarkable 15 year career in the banking and financial…
Experience
AVP, Sba Credit Analyst
Apr 2019 — Present · San Diego, CA, US
Perform financial analysis employing profitability, liquidity, solvency, cash flow analysis and credit underwriting via key issue identification, working capital assessment, and ratio interpretation using corporate and personal financial statements and tax returns.• Interpret personal and corporate financial spreads, financial analysis, collateral analysis, summary of terms and conditions, debt sheet, and other appropriate information to complete the loan approval package.• Make decisive loan recommendations and clearly articulate a compelling case for loan decision to appropriate approval levels.• The review and development of loan structure for SBA 7(a) and SBA 504. • Actively participate in gathering financial and other information to complete loan packages.• Identify loan structure appropriate for SBA and Commercial Loan Types.• Review and interpret personal and business credit reports.• Evaluate collateral types, including real estate, in support of Loan Transactions.• Analyzes the credit and collateral aspects of business and individual loans both secured and unsecured• Mentorship of new employees or those aspiring to advance to another level continuously.
Skills
- Credit Analysis
- Financial Reporting
- Accounting
- Portfolio Management
- Loans
- Financial Analysis
- Finance
- Account Reconciliation
- Analysis
- Banking
- Commercial Lending
- Loan Servicing
- Financial Risk
- Sba
- Credit
- Underwriting
- Commercial Banking
- Small Business Lending
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