Credit Analyst, New York Lending Team (Current Employee) – New York City – September 30, 2015
Days are great, in the morning I look prepare my financial analysis of current client. These include cash flow analysis as it relates to loan coverage. Have conversations to understand key concepts of the business (Margins, Suppliers, Key Business Activities, Loan Purpose, Customer Profile) all this is done to better prepare a loan package for the underwriting team. Continuous client communication to acquire key financial documents (Taxes, Corporate documents, Pay stubs, Business Applications, Collateral titles, Bank Statements) to better understand the financial situation of start-ups and small businesses. Try to order some food to the office or visit some of the businesses to meet the owners in person. Three to five times a month I attend financial education talks with key partners. From presentations to Small Business Owners about accounting or taxes or the steps for acquiring financing. This is essential for securing the necessary grants, Community Reinvestment Act related credit lines from larger banks to continue growing.
Free Yearly Metrocard, Health Benefits, Bonuses, Paid Vacations.