Brandon E.

Malm-Brandes
227 College St, Apt 2 Elgin, Illinois, 60120 Brandon.Eric@Gmail.com (847) 907-1613

Work Experience

First Capital Bank, Commercial SBA Underwriter September 2011 Present Underwritten approximately 40 closed Small Business Administration 7(a) commercial loans totaling just north of $25MM in loan proceeds for commercial real estate acquisition, business acquisition, partner buyout, build out/leasehold improvements and new business startups. Implemented with senior credit supervisor a more conservative lending culture that led to an upgrade of banks CAMELS rating by the Office of the Comptroller of the Currency from a 3 to a 2. Evaluate overall credit worthiness of small business applicants and their owners to determine repayment ability and overall business health via ratio analysis and comparative trends. Analyze business financial statements such as federal tax returns, balance sheets, profit & loss statements, statements of cash flows and accounts payable and accounts receivable agings with high attention to detail. Develop modeling spreadsheets in Excel to forecast cash flows, revenue and interest rate stress scenarios and other financial analysis as it pertains to credit evaluation. Attended the National Association of Government Guaranteed Lenders (NAGGL) SBA Technical Lending conference in St. Louis, MO. Attended the International Community Bankers of Americas Analyzing Business Financials conference in Minneapolis, MN. Hoyne Savings Bank, Bank Associate January 2011 September 2011 Reconciled end-of-day branch totals of cash on hand, checks in, cashiers checks and money orders issued. Scanned documents at the end of day for image retention and confirmation of balanced credits and debits. Processed transactions such as deposits/withdrawals, mortgage payments and issuing certified checks and money orders. Gamma Phi Beta, Kitchen Manager September 2007 May 2010 Managed team of 5 waiters to provide kitchen services for daily lunch and dinner meals. Created schedules and worked with house director and head chef towards mediating conflicts. Performed indoor and outdoor handyman work as needed.

Education

Purdue University, Krannert School of Management September 2006 August 2010 Baccalaureate of Science, Accounting; Baccalaureate of Science, Management Minor, Management Information Systems Awards and Scholarship s Clara Abbott Foundation Scholarship through Abbott Laboratories AJ McAllister scholarship through Phi Delta Theta Admitted to Delta Phi Alpha, the German Honors Society in 2005 Additional Relevant Coursework E-Commerce and Information Strategies Introduction to Programming for Business Applications Database Management Systems Systems Analysis and Design Software Experience T-Soft SBA FormMaster + (loan analysis/underwriting software) Microsoft Outlook/Excel/Word (advanced knowledge/experience) Microsoft SQL database design and maintenance (beginner knowledge/experience) Music Events Coordinator May 2012 Present Schedule band and performance acts at various bars and venues in the area in order to bring businesses increased sales while simultaneously bringing exposure to a number of performing artists. Created highest grossing sales on one night of a summer for a specific bar due to effective band promotion, attractive drink and food specials that maximized profit margin. Developed a local music community for artists to showcase their talent and network with other aspiring individuals in order to further their musical talents and business-savvy ambition.

Software Skills

Activities and Hobbies