(443) 804-9085


Employment as a financial analyst utilizing financial accounting and commercial loan analysis skills.


Microsoft Office (Word, Excel, PowerPoint, Access), Moody's WinFAST, OnDemand, Experian, Credit Commander, FedLine, NCR Teller, Mellon PC-Link.
Microsoft Windows (3.1/95/98/ME/NT/2000/XP), Citrix ICA & MetaFrame XP, Cygwin, Linux, Unix, Novell, MacOS, DOS, HTML, C, Pascal, Fortran.


Sep 1992 - May 1996
Loyola College - Baltimore, Maryland
Bachelor of Science Degree in Mathematics.

Sep 1988 - Jun 1992
Liberty High School - Eldersburg, Maryland
National Honor Society, Marching/Concert/Jazz Bands.


(RMA Self-Study Courses)
Oct 2001 - Nov 2001
Cash Flow Analysis.
Aug 2001 - Oct 2001
Commercial Credit For Lenders.
Jun 2001 - Jul 2001
Financial Accounting.


Aug 2001 - Jun 2002
Credit Analyst
Annapolis Banking and Trust Company - Annapolis, Maryland
Assisted the Credit Department Manager in the analysis of companies and individuals for the Commercial Lending Officers. Essential functions:
  • Investigated customer or prospect credit history through various reporting services and character references.
  • Researched and analyzed financial statements for background information, industry factors, management assessment, and historic/future performance.
  • Prepared written presentations (including financial spreads, summary, and conclusions) for Officers' Loan Committee or alternative approval process.
  • Monitored credit files for compliance with terms of loan agreements.
  • Created new spreadsheets to enhance/expedite previous reporting methods.
  • Produced internal portfolio and other industry reports for senior management, internal auditors, and state/federal regulators.
  • Promoted good communications with bank employees and customers while gathering and disseminating critical information regarding various accounts.

  • Feb 2001 - Aug 2001
    Marketing Assistant
    Annapolis Banking and Trust Company - Annapolis, Maryland
  • Generated statistical reports for Marketing Director on bank market share, internal performance, and mail surveys of new customers.
  • Prepared press releases, promotional materials and internal newsletter.
  • Organized invitations, entertainment, and documentation of special events.
  • Studied financial accounting from June through July 2001 upon request of the Commercial Lending department to train for the Credit Analyst position.

  • Jun 2000 - Feb 2001
    Marketing Coordinator
    TLP / Pepsi Bottling Group - Columbia, Maryland
  • Selected media advertisements and composed sponsor messages for radio and television broadcast.
  • Fulfilled prize distribution for Pepsi promotional programs.
  • Provided materials and support for Pepsi distribution units and affiliates.

  • Oct 1997 - Jan 2000
    EFT Specialist
    Susquehanna Bank - Towson, Maryland
  • Maintained operations of ATM/VISA Check Card services through settlement of EFT card activity, troubleshooting and fraud management.
  • Performed data-entry of card request applications.
  • Provided general customer support for other bank departments.


    Church folk-choir group, improvisational jazz (piano and saxophone), baseball, tennis, skiing, chess, travel, and card games.


    Available upon request.