JOSEPH T. RUELOS (443) 804-9085 rujo@jtruelos.com OBJECTIVE Employment as a financial analyst utilizing financial accounting and commercial loan analysis skills. COMPUTER EXPERIENCE 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. EDUCATION [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 and Marching/Concert/Jazz Bands. TRAINING (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. EMPLOYMENT HISTORY [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. ACTIVITIES Church folk-choir group, improvisational jazz (piano and saxophone), baseball, tennis, skiing, chess, travel, and card games. REFERENCES Available upon request.