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Sophia Muir

@sophiamuir

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Commercial Credit Analyst leveraging consistent loan analysis and financial reporting to support board-level decisions.

United States

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What I'm looking for

I’m looking for a credit or finance role where I can improve consistency in loan/financial analysis, strengthen documentation and reporting for leadership, and use tools like Excel and dedicated credit systems to support data-driven decisions.

I’m a Commercial Credit Analyst focused on accurate, consistent loan analysis and clear reporting for leadership. At Highmark Federal Credit Union, I work closely with Loan Officers on documentation for loan approval and loan reviews, complete quarterly loan relationship reports for Senior Leadership and the Board of Directors, and analyze member tax returns to determine adequate cash flow for proposed debt.

Before that, I served as a Regulatory & Financial Analyst I at Black Hills Energy, supporting budgeting and variances analysis, monthly consolidation across electric business units, and forecasting and analysis for engineering teams. I bring a finance-forward foundation from my MBA and hands-on experience from a Graduate Intern role at Geisinger, including competitor analysis and cross-functional collaboration—so I can turn complex inputs into actionable financial insights.

Experience

Work history, roles, and key accomplishments

Current

Commercial Credit Analyst

Current

Highmark Federal Credit Union

Jan 2024 - Present (2 years 8 months)

Analyzes member tax returns and financial information to support loan approval and loan reviews. Works with loan officers on documentation and site visits, and prepares quarterly loan relationship reports for senior leadership and the board.

Microsoft Word Microsoft Teams Pivot Tables LoanVantage Peoplesoft Data Analysis Loan Analysis Reporting Documentation

Regulatory & Financial Analyst I

Black Hills Energy

Jun 2022 - Jan 2024 (1 year 7 months)

Supports development and maintenance of financial plans (budget and strategic) and performs variances analysis against actuals. Creates monthly consolidated income statements and supports forecasting, budgeting, and month-close file preparation for leadership and engineering teams.

Financial Planning Budgeting Strategic Planning PL Variance Analysis Consolidation Forecasting Financial Close

Graduate Intern

Geisinger

Jan 2022 - May 2022 (4 months)

Works on high-priority projects for leadership, including competitor analysis and retention analysis. Conducts UAT testing in Salesforce, supports lean process improvement efforts, and develops and edits marketing materials.

Excel Competitive Analysis Salesforce UAT Process Improvement Lean Retention Analysis Marketing Materials Cross Functional Collaboration

Retail Sales Specialist

REI

Aug 2020 - Dec 2020 (4 months)

Promotes and sells membership to increase customer loyalty and conversion rate. Manages day-to-day store organization and handles cash responsibilities including budgeting, register drawers, and bank deposits.