Credit Analyst @ Mercantile Bank -Manage a portfolio of 48 clients' credit facilities including revolving lines of credit and term loans -Analyze weekly and/or monthly reports, which include A/R agings, A/P agings, inventory reports, and L/C reports -Spread and Analyze Financial Statements: Tax Returns, Income Statements, Balance Sheets, and PFS's -Examining client's financial ratios including DSC, Liquidity, Leverage, Operations, Profitability and Solvency -Advise loan officers on cash position, cash availability, loan balances, and collateral information -Ensure client covenant compliance to limits, advance rates, exclusions, maturities, and requirement in the loan agreement Collateral Analyst II @ Bank of America -Manage a portfolio of 22 clients with more than $50 million in total credit facilities including revolving lines of credit, term loans, and letter of credit and/or banker's acceptance facilities -Validate and reconcile weekly and monthly reports, which incl