Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Timeline
Generic

Josh Trotta

Calgary,AB

Summary

Diligent financial analyst with a proven background in credit analysis, including assessing creditworthiness and managing risk. Successfully contributed to development of credit policies and financial models, enhancing decision-making processes. Demonstrated expertise in financial statement analysis and credit risk assessment.

Overview

9
9
years of professional experience
1
1
Certification

Work History

Senior Credit Analyst

Dynamic Capital Corporation II
07.2024 - Current
  • Underwrite intermediate to complex debt consolidations, refinances for working capital, CAPEX transactions, Shareholder buyouts between $500M and $5.0MM.
  • Analyzed individuals and incorporated entities to assess risk and determine creditworthiness of clients.
  • Spread and analyzed company financial statements to determine risk factors based on clients financial ratios. Provided mitigating factors and potential risks with deficient cash flows, leverage ratios.
  • Provide relevant deal recommendations for the purpose of internal funding.

Junior Credit Analyst

Dynamic Capital Corporation II
06.2023 - 07.2024
  • Learned to analyze diligence of a company and co-borrowers such as incorporation, debtor's, commercial and individual credit bureau documents.
  • Underwrote Capex transactions under $500M.
  • Collaborated with senior analysts to evaluate client financial statements for accuracy.

Junior Project Manager

Calcon Construction
02.2017 - 11.2018
  • Documented project progress to fulfill project requirements and establish traceability.
  • Delivered high level of service to clients to both maintain and extend relationship for future opportunities.
  • Update clients and senior leaders on progress reports and potential upcoming roadblocks.

Education

BBA - Finance, General Management

Mount Royal University
Calgary
06-2023

Skills

  • Loan structuring
  • Risk analysis
  • Financial statement analysis
  • Multitasking
  • Effective communication
  • Adaptability and flexibility

Accomplishments

Risk Management Association - Case Competition - 2nd Place

  • Participated in a team project, demonstrating an ability work collaboratively and effectively as a team.
  • Identified issues, analyzed a complex commercial lending scenario and provided a relevant model to determine creditworthiness of the case.
  • Managed time efficiently to complete analysis with ample time to prepare to pitch to a board of commercial bankers.

Certification

Commercial Banking and Credit Analyst ("CBCA") - June 2025

Bloomberg Market Concepts ("BMC") - April 2022

Timeline

Senior Credit Analyst

Dynamic Capital Corporation II
07.2024 - Current

Junior Credit Analyst

Dynamic Capital Corporation II
06.2023 - 07.2024

Junior Project Manager

Calcon Construction
02.2017 - 11.2018

BBA - Finance, General Management

Mount Royal University

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