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Lorraine Acuna
Former Credit Analyst Eager To Start Accounting Career
I SAW THIS JOB OPPORTUNITY POSTED ON JOBING.COM.
954-893-8629
duarte1106@hotmail.com
I SAW THIS JOB OPPORTUNITY POSTED ON JOBING.COM.
QUALIFICATIONS
Current forensic accounting student eager to transition from credit analysis to accounting. Good foundation in fraud investigation, income tax fraud, auditing, and financial valuation. Seven years experience as commercial credit analyst. Strong financial analysis skills. Computer proficient: Moody's Financial Analyst (MFA); First Research; eCredco; LexisNexis; World-Check; Microsoft Excel, Word, PowerPoint; Internet; Lotus Notes. Secretary for Credit Officer's Committee (COC) at Pacific National Bank. Recognized at Silver Hill Financial for excellent work quality. Praised as team member of SunTrust Banks' top performing Credit Support Unit. Fluent in English and Spanish. MBA. Masters Forensic Accounting May 2011; Member of South Florida Chapter of Association of Certified Fraud Examiners and Associate Student Member of Association of Certified Fraud Examiners (ACFE).
EDUCATION
Currently enrolled at Florida Atlantic University, Boca Raton, FL, Masters in Forensic Accounting, Current GPA 3.62
Florida International University, Miami, FL, Masters in Business Administration, April 2003, GPA 3.75
EXPERIENCE
Credit Analyst Pacific National Bank Miami, FL December 2007 - June 2009
954-893-8629
duarte1106@hotmail.com
I SAW THIS JOB OPPORTUNITY POSTED ON JOBING.COM.
QUALIFICATIONS
Current forensic accounting student eager to transition from credit analysis to accounting. Good foundation in fraud investigation, income tax fraud, auditing, and financial valuation. Seven years experience as commercial credit analyst. Strong financial analysis skills. Computer proficient: Moody's Financial Analyst (MFA); First Research; eCredco; LexisNexis; World-Check; Microsoft Excel, Word, PowerPoint; Internet; Lotus Notes. Secretary for Credit Officer's Committee (COC) at Pacific National Bank. Recognized at Silver Hill Financial for excellent work quality. Praised as team member of SunTrust Banks' top performing Credit Support Unit. Fluent in English and Spanish. MBA. Masters Forensic Accounting May 2011; Member of South Florida Chapter of Association of Certified Fraud Examiners and Associate Student Member of Association of Certified Fraud Examiners (ACFE).
EDUCATION
Currently enrolled at Florida Atlantic University, Boca Raton, FL, Masters in Forensic Accounting, Current GPA 3.62
Florida International University, Miami, FL, Masters in Business Administration, April 2003, GPA 3.75
EXPERIENCE
Credit Analyst Pacific National Bank Miami, FL December 2007 - June 2009
- Wrote comprehensive reports to support recommendation of new credit facilities
- Established loan grade risks and conditions
- Completed annual reviews for existing facilities
- Incorporated essential appraisal information into credit analysis reports
- Conducted research and composed approval memorandums for prospective brokers, appraisers, and
- Communicated with loan officers and closer to ensure smooth loan closings
- Prepared and composed monthly COC Meeting Agendas and Minutes
- Pre-approved and completed final underwriting for small and large balance loans
- Communicated frequently with sales teams regarding loan status
- Analyzed and interpreted common size and trend income statements
- Examined a variety of loan documents for accuracy and completeness
- Reviewed credit reports, bank statements, personal and corporate tax returns
- Restructured loans when necessary to offer borrower various loan options
- Communicated with Transaction Analysts to ensure smooth loan closings
- Kept up to date with policies and procedures
- Prepared a detailed report used in the decision making process
- Determined the degree of risk for the guarantor and facilities
- Spread financial statements for corporations, non-profit entities, municipalities, auto dealerships, real
- Interpreted various financial ratios and tested financial covenants
- Conducted personal financial statement and personal cash flow analyses
- Completed Accounts Receivable and Accounts Payable Agings Analyses
- Conducted collateral valuation