Mike R.

About Mike R.

Highly-motivated and goal-oriented professional with 15 years of experience in the workforce.

Experience

1. Senior Credit Analyst

   Partner Community Capital

   Jan 2024 — Present

   Financial Analysis • Collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the creditworthiness of commercial loan applications.• Uses multiple sources of information, including IBIS World, financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and completes an analysis of the applicant\'s financial status.• Calculates debt-service-coverage (DSC) and debt-to-income (DTI) ratios to evaluate an applicant\'s ability to repay the loan.• Prepares skeleton credit memos in a standardized format for lenders to complete with narrative descriptions of request and company.• Recommends the pricing of loan based on internal pricing model and a risk rating based on the strength of the application and internal risk rating system.• Conducts research regarding complex credit requests. • Evaluates structure of the transaction including the loan/investment structure, borrower/partnership/LLC structure, property management. • Discusses financial assessment with Lender and Borrower if follow-up information is needed.• Presents recommendations for resolving complex situations and exercises independent judgement while developing expertise in the position, policies, procedures, and compliance requirements.• Collaborates and works with colleagues, internal partners, and stakeholders including internal as well as external customers.• Works on special projects.

Education

• The University of North Carolina at Chapel Hill

  Bachelor of Arts - BA, Psychology