Julius Roberson II G

About Julius Roberson II G

A Dynamic, Result-Oriented Professional with 20 plus Years of Experience in Loan…

Experience

1. Credit Ops Analyst i - Commercial Credit Card Lending

   Mphasis

   Oct 2024 — Present · Coppell, TX, US

   Review and analyze commercial card application documents for completeness, creditworthiness and compliancePrepare detailed credit memorandums that include financial analysis, repayment ability calculation, industry research and forecasts, collateral analysis, management structure, projections analysis, and guarantor reviews. Prepares cash flow for borrowers according to established policies and procedures accurately and timely to aid in the analysis of a borrower\'s creditworthiness.Contacts internal/external customers and other parties as appropriate to gather information and to clarify inconsistent, incorrect or missing information.Coordinate and incorporate 3rd party reports into the credit analysisReview tax returns and tax transcripts as part of credit due diligencePrepare approval lettersReview and address credit approval conditions and covenantsResponsible for demonstrating an understanding of all commercial products, pricing, and coverages. This includes interpretation and demonstrated knowledge of authority level, guidelines, and additional underwriting resource material to achieve quality metrics.Exercises judgment to identify, diagnose, and solve problems within given rules.Works independently on a range of complex tasks, which may include unique situations.Meet production goals while maintaining quality and compliance

Education

• Southern Methodist University

  Studied

  1988 — 1989

• Langston University

  Studied

  1981 — 1985

• Southern Methodist University

  3.9