Seth Denham
Elizabethtown,KY
Summary
Adept at navigating complex financial landscapes, I significantly enhanced credit decision-making processes at Magnolia Bank. Leveraging expertise in financial analysis and risk management, I adeptly conducted comprehensive credit risk assessments, contributing to informed lending decisions. My proficiency in Microsoft Excel and strong analytical skills ensured accurate financial reviews, driving optimal credit outcomes.
Overview
6
6
years of professional experience
Work History
Commerical Credit Analyst
Magnolia Bank
04.2024 - Current
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Made decisions and recommendations about extending lines of credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Participated in loan committee meetings to provide input on lending processes.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Performed credit reviews on corporations to assess financial conditions.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Conducted annual reviews on all commercial borrowers.
- Reviewed appraisals to ensure internal regulations and guidelines were followed along with ensuring USPAP standards were met.
- Assisted in concentration reporting.
- Assisted with ACL calculation.
Teller
West Point Bank
04.2019 - 04.2020
- Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Processed customer transactions promptly, minimizing wait times.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Served as primary point of contact for customers, providing assistance with account maintenance and transactions.
Education
Bachelor of Arts - Finance
University of Louisville
Louisville, KYAssociate of Arts - Business
Elizabethtown Community And Technical College
Elizabethtown, KY05-2019
Skills
- Banking regulations
- Cash flow analysis
- Credit decision making
- Credit risk assessment
- Financial Analysis
- Tax Return Analysis
- Appraisal Management
- Appraisal Review
- Loan Operations
- Risk Management
- Microsoft Excel
- Abrigo by SageWorks
Golf and Aviation
In my free time I love to enjoy a round of golf! I have been playing for 15 years and have always seen it as a true test of patience and resolve. I am also a private pilot and love to be in the air any chance I get. I obtained my private pilots license in June of 2022 and to this date have logged over 150 hours of flight time.
Timeline
Commerical Credit Analyst
Magnolia Bank
04.2024 - Current
Teller
West Point Bank
04.2019 - 04.2020
Bachelor of Arts - Finance
University of Louisville
Associate of Arts - Business
Elizabethtown Community And Technical College
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