- I enjoy cooking for friends and family gatherings
- I like working with my hands and fixing things around the house/yard
- Gym Workouts
- I participate in various sports activities for physical activity, camaraderie, and personal growth
Andrew Markham
Omaha,NE
Summary
Blend of academic training in marketing and business administration, with hands-on experience in credit analysis, sales, and operations support. Track record of delivering tasks accurately, efficiently, and quickly. Reliable in providing best-in-class customer service and communications in various business settings. High-performing professional with strong background in analyzing financial data for commercial and residential customers. Demonstrated exceptional talents in creating effective credit presentations and proficiency in multiple different banking software as a Senior Credit Analyst.
Overview
12
12
years of professional experience
Work History
Senior Credit Analyst
First Westroads Bank
11.2021 - Current
- Improved understanding of financial statements, which helped in assessing risk.
- Prioritized tasks to meet or exceed timelines and supervised multiple responsibilities at same time.
- Complied with internal controls and government regulations.
- Evaluated customer credit data to determine level of risk involved in money lending.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Created in-depth credit presentations that were user-friendly and easy to understand.
- Performed credit reviews on corporations to assess financial conditions.
- Offered insight to upper management regarding credit decisions.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Participated in loan committee meetings to provide input on lending processes.
- Total loan portfolio managed and underwritten by credit department was in excess of $300MM and average loan worked was $1-2MM.
Commercial Lender
Midstates Bank NA
03.2020 - 11.2021
- Develop and implement a strategy for identifying and calling on prospective clients.
- Assist analyst in gathering and analyzing prospective and current customer's historical and projected financial information.
- Assist with preparation of credit memo and present credit memo to loan committee for approval.
- Serve on officer loan committee to make recommendations on loan presentations.
- Develop and service an existing loan portfolio with goal to meet and exceed bank objectives.
- Participate in civic activities to promote growth and development of the community and a positive image for the bank.
Credit Analyst
First National Bank of Omaha
10.2016 - 03.2020
- Financial analysis and preparation of loan presentation packets for new C & I credit requests, renewals and annual reviews.
- Monitor ongoing financial performance of borrowers and act as an independent reviewer of the borrowing relationship through contact with the lender and/or borrower.
- Cross functional working relationships with peers and management to maintain service level relationships.
- Understand and comply with Bank policy, laws, regulations and the Bank's BSA/AML program, as applicable to job duties.
Lead Specialist Small Business Loan Processing
First National Bank of Omaha
06.2015 - 10.2016
- The scope of this position entails processing applications from business bankers and personal bankers to send over to the credit team to underwrite the loan.
- Once the approved memo is received from credit the approval email was put together with the conditions to close and I begin clearing the conditions that I can.
- Clearing these conditions involves working with title companies, bankers, and other third party vendors to obtain necessary information to insure lien position or insurance policies.
- I was also involved with helping to rewrite and adjust procedures as necessary and with the various compliance pieces that were needed.
- This included HMDA and CRA reporting information.
- As another requirement of the position we were required to learn how to do our own documents in LaserPro.
Teller (Supervisor)
First National Bank of Omaha
09.2013 - 06.2015
- Through this position I have gained a basic understanding of the banking industry.
- I was proficient in processing the day to day transactions for customers and analyzing their accounts to identify potential sales opportunities and delivering those referrals to the correct department.
- I assist with branch operational duties including negotiable, cash ticket, vault, dispense and drawer audits.
- I was moved to a supervisory position within 2 months of employment. This included override duties in an effort to help prevent fraud and to limit teller errors.
- I became a certified teller within the First National Bank system. This certification involves doing account maintenance, and ordering/reordering debit cards and checks.
Education
BSc - Business Administration, Political Science
University of Nebraska-Lincoln
Lincoln, NE 01.2013
Skills
- Time Management
- Microsoft Office Suite
- Reliable
- Flexible
- Communicating with team and customers
- Customer Service
- Verbal and written communication
- Financial statement review and analysis
- Lending regulations
- Financial statements expertise
- Process improvements
- Loan presentation preparation
Accomplishments
- Gentlemen of Aspen Men's Rugby Club Select Side Team Member, 2012-2013
- Western Rugby Union Regional All-Star, 2011
Affiliations
- Omaha GOATS Rugby
- Parishioner, Mary Our Queen Catholic Church
Interests
Timeline
Senior Credit Analyst
First Westroads Bank
11.2021 - Current
Commercial Lender
Midstates Bank NA
03.2020 - 11.2021
Credit Analyst
First National Bank of Omaha
10.2016 - 03.2020
Lead Specialist Small Business Loan Processing
First National Bank of Omaha
06.2015 - 10.2016
Teller (Supervisor)
First National Bank of Omaha
09.2013 - 06.2015
BSc - Business Administration, Political Science
University of Nebraska-Lincoln
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