Patrick O'Brien
Ann Arbor
Summary
Detail-oriented Credit Analyst with expertise in credit analysis, risk assessment, and financial modeling. Proven ability to prepare comprehensive credit analyses and support portfolio management, driving informed lending decisions. Enjoys equity research, chess, sports, and staying informed on global economic and political developments.
Overview
4
4
years of professional experience
Work History
Credit Analyst
Bank of Ann Arbor
Ann Arbor
09.2025 - Current
- Conducted credit analyses and loan renewals by spreading financial statements, building borrower cash flow models, performing sensitivity analysis including interest-rate stress scenarios, and assessing debt service coverage and credit risk.
- Underwrote commercial credit relationships from $500K to $30MM, evaluating borrower financial performance, cash flow, leverage, liquidity, collateral, and repayment capacity to inform lending decisions.
- Collaborated with relationship managers and senior credit officers in portfolio management and credit decisions by analyzing complex loan structures, evaluating credit exposure and risk, and preparing credit presentations and recommendations.
Retail Credit Analyst
TD Bank
Southfield
09.2024 - 09.2025
- Evaluated borrower credit profiles, loan structures, income verification, and risk factors to adjudicate retail credit applications in accordance with established lending guidelines.
- Resolved contract discrepancies and validated loan documentation through collaboration with automotive dealers and internal funding teams, ensuring accurate and compliant loan funding.
- Exceeded departmental performance targets in application volume, service-level standards, funding rates, and loan production while maintaining accuracy and sound credit judgment.
Phone Bank Advisor
Michigan State University Office of Financial Aid
East Lansing
04.2024 - 08.2024
- Assisted incoming students in navigating financial aid accounts and understanding eligibility and funding options, enhancing their financial literacy.
- Advised students on financial aid packages, loan options, and financing resources, enabling informed decisions on educational expenses.
- Organized and analyzed data using Microsoft Excel to research and resolve student inquiries, improving response accuracy and efficiency.
Manager
The Chuckwagon on Mackinac Island
Mackinac Island
05.2022 - 08.2023
- Managed product procurement and negotiated with distributors to optimize inventory control and support profit margins.
- Developed and implemented an inventory management system to monitor stock levels and minimize shortages.
- Oversaw food preparation, customer service, cash handling, and delivery operations to ensure seamless workflow and service quality.
- Coordinated schedules for 8 employees to optimize staffing and enhance operational efficiency.
Education
Bachelor of Arts - Finance
Michigan State University
East Lansing, MISkills
- Credit analysis
- Loan underwriting
- Cash flow analysis
- Risk assessment
- Financial modeling
- Portfolio management
- Regulatory compliance
Timeline
Credit Analyst
Bank of Ann Arbor
09.2025 - Current
Retail Credit Analyst
TD Bank
09.2024 - 09.2025
Phone Bank Advisor
Michigan State University Office of Financial Aid
04.2024 - 08.2024
Manager
The Chuckwagon on Mackinac Island
05.2022 - 08.2023
Bachelor of Arts - Finance
Michigan State University