Dylan Yeo (여승훈)
Goyang-si, Gyeonggi-do, Republic of Korea
Summary
Experienced finance professional with strong background in loan evaluation, risk assessment, and credit analysis. Adept at collaborating with teams to achieve objectives and adapt to evolving needs. Reliable in decision-making and skilled in financial modeling, regulatory compliance, and customer relationship management. Known for integrity, analytical thinking, and effective communication.
Overview
7
7
years of professional experience
Work History
AVP, Loan Underwriter
Metro City Bank
01.2021 - Current
- Analyze applicant’s financial status, credit, and property evaluations to determine credit worthiness.
- Place the order for appraisals, credit reports, background checks, reference checks, and other information pertinent to the evaluation of loan applications.
- Counsel customer on the types and terms of loans offered, and which would best meet their credit needs.
- Make recommendation presentations to credit committee.
- Perform existing portfolio maintenance including servicing and following up on past dues.
- Maintain current customer relationships, which include periodic visits and phone calls based on customer needs.
- Collect on delinquent accounts in a timely manner according to bank guidelines.
- Develop and negotiate revised loan repayment terms as necessary.
- Ensure the bank is maintaining proper OFAC compliance on all guarantors before disbursing loan proceeds.
- Develop and maintain knowledge of position related regulations as well as staying knowledgeable on bank products and services.
- Maintain compliance with Bank policies and procedures, in addition to federal and state regulations.
- Perform all duties in compliance with BSA/AML regulations and requirements.
- Monitor and report all suspicious activity to the BSA officer.
- Develop and maintain knowledge of position related regulations as well as staying knowledgeable on bank products and services.
- Perform all duties in compliance with BSA/AML regulations and requirements
- Obtains adequate data for CIP on all wire and money instrument transactions
- Monitors and reports suspicious activity to the BSA Officer
Loan Underwriter
First IC Bank
02.2018 - 09.2020
- Analyze credit data to determine the risk in extending credit.
- Make decisions to approve or deny the extension of credit within a set authority established by senior management and state/federal laws.
- Maintain an environment that facilitates compliance.
- Ensure branch office cooperation with other departments to maximize efficiency within the company.
- Assist borrowers with loan application process and inform them of loan requirements, terms, rates, and matters affecting the granting of loans
- Gather and develop information to process loan applications, such as financial statements and tax returns, and make recommendations
- Assisting borrower’s consumer loan request such as CD secured line of credit, credit card, and automobile loan
- Analyze financial information and prepare reports
- Compile loan files, write credit memorandums, and present loans to the Loan Committee for approval
- Prepare loan documentation
Assistant Manager of Accounting
NuWave LLC
08.2017 - 01.2018
- Preparing financial documents such as invoices, bills, accounts payable, account receivable, and aging report
- Supporting purchase orders
- Managing payroll
- Completing financial reports on a regular basis and providing information to the Accounting Department Manager
- Assisting with budgets and inventory forecast
- Completing bank reconciliations
- Entering financial information into appropriate software programs
- Managing company ledgers
- Verifying balances in account books and rectifying discrepancies
- Managing day-to-day transactions
- Recording office expenditures and ensuring these expenses are within the set budget
- Assisting the accounting department manager and CEO with various tasks, including preparing budgets, records, and statements
- Handling debt collection with collection company
- Managing monthly budgeting tasks
- Encoding accounting entries for data processing
- Sorting financial documents and posting them to the proper accounts
- Reviewing computer reports for accuracy and meticulously tracing errors back to their source
- Resolving errors in financial reports and correcting faulty reporting methods
Education
Bachelor of Science - Accounting
Southern Illinois University Carbondale
Carbondale, IL05.2017
Associate of Science - Finance
Southern Illinois University Carbondale
Carbondale, IL05.2017
Skills
- Credit analysis
- Loan structuring
- Cash Flow analysis
- Credit Scoring
- Financial statement analysis
- Risk evaluation
- Documentation Review
- Strategic project planning
- Collateral Valuation
- Loan Processing
- Debt-to-Income Calculation
- Customer relations
Languages
Korean, English
Native language
Timeline
AVP, Loan Underwriter
Metro City Bank
01.2021 - Current
Loan Underwriter
First IC Bank
02.2018 - 09.2020
Assistant Manager of Accounting
NuWave LLC
08.2017 - 01.2018
Bachelor of Science - Accounting
Southern Illinois University Carbondale
Associate of Science - Finance
Southern Illinois University Carbondale
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