Welcome to Brazen Careerist!

About Me

Experienced commercial banker, well versed in financial modeling and credit analysis. I'm passionate about innovation in the banking industry and my own rotational program to gain experience in all industry groups.

Work History

• Bank of America
• Senior Analyst
• December 2009 to Present

• • Senior analyst supporting the Northeast Municipal Credit team
  • Firebrands participant

• Dearman Ventures
• Founder
• September 2007 to October 2009

• • Acquired a portfolio of Internet-based businesses with the objective of turning around operations, enhancing revenue and margins, and obtaining access to capital
  • Developed and successfully implemented sales and marketing strategy for acquired internet retail company to enhance profitability through customer segmentation; boosted gross margins by 6% resulting in approximately $18,000 more in gross profit per year
  • Hired and trained two associates for portfolio company management

• Bank of America
• AVP; Credit Products Underwriter
• July 2006 to September 2007

• • Structured credit facilities to meet clients need, mitigate risk, and achieve profitability benchmarks in a credit portfolio of Central Texas middle market companies (Revenues $30MM to $1B)
  • Approved credit exposure up to $3 million, advanced approval process for larger exposures
  • Constructed and utilized financial models to support the extension of long term credit exposure
  • Underwrote revolving and term loans as well as foreign exchange, swap, treasury, and letter of credit exposure
  • Prepared financial analysis and approvals based on cash flow, collateral and total credit exposure for a portfolio of 43 middle-market companies
  • Generated leads, profiled and qualified prospects for credit, treasury cash management, foreign exchange and capital market opportunities
  • Participated in pre-call planning, client sales calls, post-call reporting, and portfolio planning and pipeline reports

• Bank of America
• Credit Products Analyst
• December 2005 to June 2006

• • Prepared financial analysis and approvals based on cash flow, collateral and total credit exposure for a portfolio of 43 middle-market companies
  • Evaluated client financial statements for maintenance and incurrence covenant compliance
  • Completed formal bank credit training

Education

• Trinity University
• Business Administration
• 2001 - 2005