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