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yyyyyy x. yyyyyy                                                    0000 xxxxxx xxxx , xxxx , xxxxx 00000





proficient, detail-oriented financial professional exploring opportunity to contribute expertise toward actively supporting operations of a progressive organization as a business research/financial analyst.



career profile

ø  mba.

ø  b.s., business administration, finance emphasis.

ø  demonstrated capacity in market research and business analysis.

ø  adept in all facets of finance function.

ø  strength in interpretation, evaluation and assessment.

ø  selected for critical special projects.

ø  proven capacity to originate in-depth credit reports.

ø  strong knowledge of financial performance issues and key operational metrics.

ø  deliver exceptional reporting and advisement to senior management.

ø  record of progression to assignments of increasing authority and responsibility.

ø  well-organized multi-tasker with strong detail orientation.

ø  outstanding communications and presentation skill sets.

ø  self-motivated, self-directed individual who adapts to changing environments.

ø  risk management association.



professional experience

huntington national bank, morgantown, wv                                                                               1999 - present

commercial credit analyst (2007 cpresent)

         promoted to conduct research on companies and industries.

         develop data on target company operations, products, competition, industry trends and means of enhancing cash flow.

         assess and evaluate target financial statements.  

         originate summaries with transaction overview and assessment of whether pricing strategy fits pricing matrix.

         determine any customer reporting requirements/covenants.

         provide summary with company background including history, current management experience, positive/negative industry trends and analysis of target financial statements. 

         determine performance from profitability standpoint and cash flow perspective compared year-to-year utilizing trend analysis and industry standards.

         establish company sensitivity to changes in price/volume.

         make considered recommendation concerning credit acceptance/denial.

         inform regional credit officer, commercial banking executive and commercial lender for their approval. 

         ensure corporate compliance with loan document covenants.

         assess financial information and update in database on a quarterly/annual basis.

         designated for special project covering all real estate appraisals requiring evaluation for entire state for any renewal of commercial credit with real estate collateral.  





yyyyyy x. yyyyyy

page two




personal banker c senior/investment representative (2003-2007)

         advanced to gather customer information/data to customize appropriate financial programs.

         only licensed banker in unit.

         conducted advanced questioning technique to obtain complete understanding of client needs.

         developed precise financial plan recommendations with focus on benefits.

         presented recommendations either verbally or using graphic aids to facilitate customer understanding.

         utilized morningstar box to illustrate to customers how effectively diversification could hedge risk.

         designated to train new hires.

         aided in bank acquisition and training of its employees. 


banking office manager/investment representative (1999-2003)

         tasked to direct daily operations and management of over twenty employees.

         performed staff recruitment and downsizing as required.

         developed detailed job descriptions to source ideal candidate.

         planned and executed unit budget.

         through the development of business and sales plans and analysis of the financial statements for the branch, changes were made and communicated to staff/upper management to assure branch met goals and objectives.

         authored weekly sales report for senior management.

         prospected and solicited new business.

         aided customers and achieved high levels of client satisfaction.




earlier background

prior to serving huntington as banking office manager, served as personal banker-senior/investment representative and was debt counselor for criss cross of morgantown, wv.  in these assignments developed outstanding banking, customized financial planning, training and debt advisement skill sets.





university of phoenix

master of business administration, 2008


west virginia university, morgantown, wv

bachelor of science, business administration, finance emphasis, 1996



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