Michael Crosier
Broomfield
Summary
Dynamic business analyst with a proven track record excelling in compliance assessments and strategic planning. Expert in credit risk analysis and trend identification, I have successfully developed solutions to mitigate risk exposure while fostering effective communication and coaching leadership within teams.
Overview
9
9
years of professional experience
Work History
Credit Risk Analyst
FirstBank
Lakewood
01.2024 - Current
- Interpreted complex legal documents relating to loan agreements or contracts between parties involved in a transaction.
- Drafted written summaries detailing findings from credit analysis activities, including recommendations for approval and decline decisions.
- Identified trends in delinquencies, defaults, charge-offs, recoveries, and losses for the purpose of developing solutions.
- Analyzed and evaluated the credit risk of potential borrowers, utilizing financial models, credit reports, and other sources of information.
- Developed and implemented strategies to reduce risk exposure while meeting business objectives.
- Performed stress tests to identify areas of potential risk in loan portfolios or investments.
Commercial Loan Support - Senior Specialist
FirstBank
Lakewood
01.2022 - 01.2024
- Prepared and monitored loan files with lending officers to ensure readiness for loan closing.
- Conduct trainings for all new hires.
- Create and update training guidance and procedural guidance on Confluence sharing website.
- Maintain a well-organized electronic loan file room to ensure accuracy.
- Leveraged technical proficiency in Microsoft Office Suite applications such as Word, Excel, Outlook.
- Demonstrated strong organizational skills by efficiently managing multiple tasks at once.
Commercial Loan Processor - Specialist
FirstBank
Lakewood
10.2016 - 01.2022
- Created detailed reports outlining key performance indicators for senior leadership review.
- Utilized excellent problem-solving skills to troubleshoot complex issues and devise innovative solutions.
- Prepared loan documents for loan closing.
- Owned partial responsibility for entire loan file.
- Trained new hires and kept up-to-date training materials and guidance.
- Worked with management team to enhance procedures and policies.
- Self-tested audit and compliance findings on closed files to ensure accuracy and consistency.
- Guided lending officers and loan support reps to correct sections of Loan Policy when asked questions, instructed them on how to correctly input loan information to loan management system.
- Maintained updated records of all loans in the system including processing new loans and updating existing ones as needed.
- Ensured compliance with applicable laws and regulations governing consumer lending practices such as Truth-in-Lending Act, Equal Credit Opportunity Act.
Education
Bachelor's - Human Resources Managment
Southern New Hampshire University
NH09.2023
Associate - Journalism & Theater
Kansas City Kansas Community College
KS08.2012
High school or equivalent - Diploma
Sumner Academy of Arts and Science
KS05.2010
Skills
- Compliance assessments
- Internal communications
- Coaching leadership
- Employee relations
- Strategic planning
- Talent management
- Microsoft Office proficiency
- Emotional intelligence leadership
- Project management expertise
- Effective communication
- Credit risk analysis
- Compliance regulations
- Loan documentation
- Data analysis
- Trend identification
- Process optimization
- Training development
References
References available upon request
Timeline
Credit Risk Analyst
FirstBank
01.2024 - Current
Commercial Loan Support - Senior Specialist
FirstBank
01.2022 - 01.2024
Commercial Loan Processor - Specialist
FirstBank
10.2016 - 01.2022
Bachelor's - Human Resources Managment
Southern New Hampshire University
Associate - Journalism & Theater
Kansas City Kansas Community College
High school or equivalent - Diploma
Sumner Academy of Arts and Science