Open to opportunities

Allen Peterson

@allenpeterson

Message

Results-driven credit analyst and portfolio manager focused on risk mitigation and community impact.

United States

Message

What I'm looking for

I seek a senior credit or portfolio role where I can underwrite complex loans, improve processes, and support community-impact financing with strong team collaboration.

I am a results-driven credit analyst and portfolio manager with over eight years of experience in commercial banking and community development finance, specializing in underwriting commercial real estate, low-income housing, NMTC, and C&I loans.

I have a proven track record of maintaining strong credit quality with no material credit losses, managing large portfolios (including $500M+), and underwriting transactions ranging from $1M to $50M+ with complex structures like construction, bridge, and bond financing.

I excel at financial modeling, loan structuring, portfolio stress testing, and presenting rigorous credit memos to loan committees; I have streamlined processes to reduce turnaround times and improved reporting accuracy across teams.

I hold RMA Credit Risk Certification and expertise in nCino, Moody’s Credit Lens/Risk Analyst, AFS, and advanced Microsoft Excel, and I bring a collaborative, process-improvement mindset focused on driving portfolio performance and community development outcomes.

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Experience

Work history, roles, and key accomplishments

Commercial Credit Analyst

Clearinghouse CDFI

Nov 2022 - Sep 2025 (2 years 10 months)

Managed full underwriting for commercial real estate and community development loans (including NMTC and low‑income housing) for deals $1M–$50M+, presented credit memos to loan committee, and maintained portfolio with no material credit losses while streamlining underwriting processes.

Credit Analysis Financial Modeling AFS Excel

AVP Commercial Credit Analyst

M&T Bank

Sep 2021 - Nov 2022 (1 year 2 months)

Managed a $500M+ portfolio of C&I and CRE loans, underwrote new deals exceeding $30M, reduced credit memo turnaround from 14 to 7 days, and presented analyses to senior loan committee with consistent approvals.

Portfolio Management CRES C&I

Commercial Credit Analyst

Mauch Chunk Trust Company

Feb 2021 - Sep 2021 (7 months)

Performed credit and financial analysis for C&I and CRE loans, prepared ALLL reports with no errors, streamlined delinquency reporting, and served as officer loan committee secretary.

Credit Analysis ALLL Reporting Delinquency Reporting Loan Documentation

Commercial Credit Analyst

Community Bank, N.A.

Mar 2019 - Jan 2021 (1 year 10 months)

Conducted detailed financial analysis using Moody's Credit Lens for CRE, C&I, and equipment loans, assessed cash flow and debt service coverage, and supported timely credit assignments and portfolio risk monitoring.

Cash Flow Analysis CRES C&I

Financial Services Professional

MassMutual Eastern PA

May 2017 - Feb 2019 (1 year 9 months)

Performed financial statement and cash flow analysis to develop client budgets and retirement plans, increasing distribution rates by 3–5% and designing insurance, investment, and estate planning strategies for individuals and businesses.

Financial Planning Cash Flow Analysis Estate Planning

Financial Services Intern

MassMutual Eastern PA

May 2016 - May 2017 (1 year)

Supported client contact and case planning, assisted with marketing materials, and obtained Life and Health insurance licensing while learning internal systems.

client support Case Planning Licensing Administrative Support