Nicole Prusinski

About Nicole Prusinski

5 years’ experience in Credit & Risk Analysis- Specialized in Commercial Real…

Experience

1. Credit Analyst Ii

   First Southwest Bank

   Mar 2022 — Present · Denver, CO, US

   Highly analytical and solutions-oriented Credit and Risk Analyst with 5 years of extensive experience in commercial lending, specializing in transactions ranging from $5MM to $20MM. Proven expertise in meticulous financial analysis, risk mitigation, and strategic credit policy application. Committed to identifying credit-worthy solutions and optimizing operational efficiency.Key Accomplishments & Responsibilities:Underwriting Expertise- Leads the comprehensive analysis of financial documents, including tax returns, audits, and company-prepared financials, for Commercial Real Estate, C&I, Consumer, Not For Profit, and Agricultural loans ($5MM -$20MM)- Meticulously assesses true cash flow, equity, and overall repayment ability to ensure sound lending decisions- Consistently applies and serves as a go-to resource for credit policy, underwriting standards, and ATR (Ability to Repay) regulations.Risk Management & Analysis- Adeptly discovers and annotates complex business models and intricate relationships between borrowing entities and guarantors- Highlights inherent risks and develops effective supporting mitigants to safeguard bank assets- Proven ability to identify critical financial patterns and outliers, consistently reducing re-work by 10% through meticulous analysis- Performed credit investigations with external entities to validate customer applications and prevent account defaults, ensuring appropriate funding approval.Strategic Insights & Process Improvement- Mined and translated complex problem sets, metrics, and assessments to report profits, costs, payout structures, and funding opportunities to stakeholders- Tracked and identified patterns in bank behavior and client funding outcomes, highlighting data outliers to provide insightful information that supported company scaling through economic shifts.