Looking for a job

Matthew English

@matthewenglish

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I analyze small-business credit risk, financial performance, and cash flow to support sustainable lending decisions.

Switzerland

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What I'm looking for

I'm seeking a Finance Systems Analyst II role where I can apply planning, forecasting, reporting, credit-analysis, Excel, Python, and generative-AI experience to improve finance systems and analyst workflows.

At SmartBiz Bank, I analyze small-business financial performance, creditworthiness, cash flow, and operational risks to support sustainable lending decisions. I also use generative AI to benchmark applications against industry data and strengthen commercial risk analysis.

Previously at BayFirst National Bank, I underwrote and decisioned approximately 900 loans totaling $135.4 million and was promoted from SBA Bolt Underwriter to Credit Analyst within 18 months. I'm a PCEP-certified Python programmer with advanced Excel skills, an MBA, and a BSc in Economics.

Experience

Work history, roles, and key accomplishments

Current

Credit and Risk Analyst

Current

SmartBiz Bank

Nov 2025 - Present (10 months)

Perform comprehensive financial analysis of small businesses, evaluate credit risk, and collaborate with relationship managers to structure financial solutions. Selected to support training of new employees and leverage generative AI for benchmarking.

Credit Analysis Financial Analysis Risk Assessment Underwriting Generative AI Training Compliance

Credit Analyst

BayFirst National Bank

Mar 2023 - Nov 2025 (2 years 8 months)

Underwrote and decisioned approximately 900 loans totaling $135.4 million, examined borrower financial performance, and conducted industry analysis. Promoted from SBA Bolt Underwriter to Credit Analyst within 18 months.

Credit Analysis Underwriting Financial Analysis Risk Assessment Industry Research SBA Lending Regulatory Compliance

Buying Intern

Home Shopping Network

May 2022 - Aug 2022 (3 months)

Supported vendor sourcing, reviewed purchase orders, analyzed pricing data and sales trends, and coordinated with suppliers to ensure timely delivery.

Vendor Management Reviewing Purchase Orders Pricing Analysis Supplier Coordination

Package Handler

UPS

Jul 2016 - Jul 2021 (5 years)

Worked 30-35 hours per week while completing full-time undergraduate studies as part of the Metropolitan College UPS Program, a tuition reimbursement program.

Time Management Multitasking Working Under Pressure

Education

Degrees, certifications, and relevant coursework

CISI

Introduction to Securities and Investment, Securities and Investment

2026 -

Candidate for the Introduction to Securities and Investment certification, expected completion in September 2026.

CFA Institute

Chartered Financial Analyst (Level 1), Finance

2026 -

Candidate for the Chartered Financial Analyst Level 1 exam, expected to be taken in November 2026.

Python Institute

PCEP – Certified Entry-Level Python Programmer, Python Programming

2025 - 2025

Completed the PCEP – Certified Entry-Level Python Programmer certification in December 2025.

University of Louisville

Bachelor of Science, Economics

2015 - 2019

Earned a Bachelor of Science in Economics with coursework in microeconomics, macroeconomics, statistics, accounting, and entrepreneurship. Gained exposure to GAAP-based financial analysis.

University of Tampa

Master of Business Administration, Business Administration

2021 - 2022

Pursued an MBA with coursework in corporate finance, financial modeling, investments, cost accounting, marketing, and economics. Completed the Modern Advances in Leadership Certificate Program.