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Allen Peterson

@allenpeterson

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

United States
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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.

Experience

Work history, roles, and key accomplishments

CC

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.

M&T Bank logoMB

AVP Commercial Credit Analyst

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.

CN

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.

MP

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.

MassMutual Eastern PA logoMP

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.

Education

Degrees, certifications, and relevant coursework

Wilkes University logoWU

Wilkes University

Bachelor of Science, Business Administration (Finance)

2015 - 2017

Grade: 3.5

Completed coursework in Business Administration with a finance focus and awarded degree in May 2017; maintained a 3.5 GPA.

Luzerne County Community College logoLC

Luzerne County Community College

Associate Degree, Business Administration and Management

2013 - 2014

Grade: 4.0

Completed an Associate degree in Business Administration and Management with a 4.0 GPA.

Tech stack

Software and tools used professionally

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Allen Peterson - Commercial Credit Analyst - Clearinghouse CDFI | Himalayas