PROFESSIONAL SUMMARY Credit/Financial Analyst eager for a challenging role in Lending, Banking, and Finance. B.B.A in Finance, Financial Management, with two years of success in both lending and credit analysis. As well as over seven years operational management experience. SKILLS • Utilizing financial statements and tax returns to create cash flow statements and calculating borrowers net worth and liquidity. • Financial Statement analysis. • Excellent critical thinking and analytical skills. • Utilizing financial ratios to determine financial stability and ability to repay. • Able to adapt to changing company software and digital technologies. • Extensive experience in projecting budgets and profitability targets. • Knowledge of the banking regulatory environment. • Creating and maintaining client relationships. EDUCATION Northeastern State University - Broken Arrow, OK Bachelor of Business Administration in Finance Concentration: Financial Management