Summary of Qualifications 
Seasoned Banking Professional with more than 10 years of increasingly
responsible employment with both local and regional financial institutions.
Diversified, progressive experience in the analysis of financial / economic data
supporting decision making within credit underwriting and portfolio management. 

Work Experience 06/2005  *  Present Bank of the West Fort Collins, CO
Senior Commercial Credit Analyst
 * Analyze credit applications using financial statement spreading analysis, tax
return analysis, and cash flow projections.
 * Use multiple financial and non-financial criteria to analyze credit
worthiness.
 * Analyze financial statements to determine if standard financial measurements
meet industry standards, department standards and identify credit risk.
 * Responsible for developing and analyzing financial forecasts under various
assumption scenarios using and updating a financial forecasting model.
 * Develop cash-flow analysis reports used to evaluate a client  's ability to
generate cash and future cash flows.
 * Complete financial evaluations that include profitability, break-even
feasibility and other financial measures. 
 * Personally underwrote over $100M in credit facilities for 2008.

06/2002  *  06/2005 Norbel Credit Union Fort Collins, CO
Staff Accountant
 * Generated month end financial statements used to prepare month-end reports.
 * Performed monthly reviews and evaluated financial performance of the credit
union  's business units.
 * Reviewed detailed analyses of fixed asset general ledger accounts, and
forecast depreciation expenditure on a monthly, quarterly and annual basis.
 * Developed cost segregation models used to depreciate specific purpose
assets.
 * Assisted and prepared audit work papers for external auditors and examiners.

12/1999  *  06/2002 Home State Bank Loveland, CO
Business/Personal Banker
 * Analyzed financial data and defined relevant information for the purpose of
determining past financial performance and to project a financial probability.
 * Analyzed the credit and collateral aspects of personal loans.

Education Bachelor of Science in Accounting and Finance, 1999 University of
Wyoming 
 *  GPA: 3.55 in Major, 3.14 Cumulative. 
 *  Self financed all college costs by working 35-40 hours a week.

Certified Public Accountant Candidate 
 * Currently preparing to sit for the Financial Accounting section of CPA Exam.