Kevin Elder
Indian Land
Summary
Proven ability to assess creditworthiness, mitigate risk, and build strong customer relationships through proactive communication and transparent loan structuring. Highly analytical Credit Officer with expertise in utilizing credit scoring models and financial data to make informed lending decisions aligned with company policies
Overview
9
9
years of professional experience
Work History
Credit Officer
First Citizens Bank
04.2023 - Current
- Evaluate creditworthiness of potential customers using thorough research and analysis techniques, minimizing default risks.
- Prepare underwriting packages and to perform cash flow analyses
- Enhance credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Optimize lending practices by maintaining up-to-date knowledge of industry trends and regulatory requirements.
- Build an maintain a credit portfolio that is over $100Million in total exposure for the bank.
Commercial Real Estate Surveillance Analyst
Wells Fargo
11.2019 - 04.2023
- Assisted Asset Managers with monitoring borrows credit worthiness.
- Reviewed financial statements before testing loan covenants for compliance.
- Performed collection account reconciliations on a routine basis to ensure that transactions in the loan servicing system accurately reflect the bank activity.
- Researched variances and opens items identified through the reconciliation process
- Facilitated remittance-related GL journal entries as required
Credit Analyst 2
Wells Fargo
07.2016 - 10.2019
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Used financial ratios to test for compliance that were highlighted in loan covenants .
- Worked with portfolio managers, relationship managers, and other partners to monitor and grow relationships.
- Underwrite credit transactions and modifications to loans
Education
Bachelor of Arts - Financial Management
Clemson University
Clemson, SC08-2014
Skills
- Strong credit analysis and analytical skills
- Proficient in all microsoft office programs
- Underwriting experience
- Financial statement review
- Free Cash Flow Testing
- Knowledge of Credit Lens and Moodys
- Experience in managing large portfolios for the Bank
- Over 5 Years as credit analyst for a big Bank
Timeline
Credit Officer
First Citizens Bank
04.2023 - Current
Commercial Real Estate Surveillance Analyst
Wells Fargo
11.2019 - 04.2023
Credit Analyst 2
Wells Fargo
07.2016 - 10.2019
Bachelor of Arts - Financial Management
Clemson University
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