Zachary Nitzel
Phoenix
Summary
Analytical professional with 6+ years of experience in underwriting small business and personal lending applications. Proven ability to maintain high attention to detail while evaluating financial risks. Currently pursuing an MBA with a finance concentration to further enhance analytical and decision-making capabilities.
Overview
6
6
years of professional experience
Work History
Underwriter
PNC Bank
Tempe
11.2021 - Current
- Perform credit analysis on Personal loans and Personal lines of credit up to $35,000.
- Review up to 50 personal loan applications daily to assess creditworthiness, evaluate risk and ensure compliance with lending guidelines.
- Conducted comprehensive income verification by analyzing financial documents such as paystubs, W-2s, tax returns, retirement statements, and investment portfolios, enabling informed lending decisions.
- Processed high importance applications, including Rush Requests, Appeals, and escalated applications, ensuring timely completion.
- Collaborating in department meetings to discuss modifications to underwriting procedures with the end goal of providing clarity, consistency, and direction throughout the underwriting process.
- Collaborated with branch bankers and centralized support team to resolve customer inquiries, streamline issue resolution, and enhance customer service for a seamless banking experience.
- Executed special projects directed by managers and team leads.
Credit Analyst
Bank of the West
Tempe
10.2020 - 11.2021
- Conducted credit analyses for SBA PPP loans up to $10 million, ensuring comprehensive risk assessment and informed lending decisions.
- Analyzed borrowers’ financial documentation including payroll reports, balance sheets, income statements, tax returns, and benefit packages to assess financial stability and support decisions that mitigate risk.
- Leveraged in-depth knowledge of SBA PPP guidelines and Interim Final Rules to deliver precise guidance, enhancing client understanding of the lending process.
Education
Master of Business Administration (MBA) - Concentration in Finance
LSU Shreveport
Shreveport, Louisiana05-2027
Bachelor of Arts - Economics and Integrated Business Management
Knox College
Galesburg, IL05-2019
Skills
- Microsoft Excel
- Financial analysis
- Customer relationship management
- Risk management
- Problem solving
- Salesforce
Timeline
Underwriter
PNC Bank
11.2021 - Current
Credit Analyst
Bank of the West
10.2020 - 11.2021
Master of Business Administration (MBA) - Concentration in Finance
LSU Shreveport
Bachelor of Arts - Economics and Integrated Business Management
Knox College