Tyler Santos
@tylersantos
I turn portfolio, credit, and financial data into growth and risk decisions.
United StatesWhat I'm looking for
I've grown a managed client portfolio at Citizens Financial Group from $100M to more than $300M through territory expansion and deeper client relationships across 18 branches.
As an Independent Financial Analyst, I conducted credit-risk analysis for a 17,000+ loan portfolio, identifying elevated default rates and root causes while developing corrective recommendations. I also delivered FP&A, market-expansion, mortgage marketing, and investment portfolio reviews for clients.
At JPMorgan Chase, I managed relationships with 100+ small-business clients, analyzing financial statements, cash flow, and credit needs to develop lending and capital solutions. I supported branch P&L performance through lending and investment strategy execution.
My background also includes leading 15-person U.S. Air Force teams, budget planning and resource allocation for a 200-person unit, and workflow automation. I bring financial modeling, portfolio analytics, Excel, Power BI, Tableau, Salesforce, SPSS, and Python to turn complex data into actionable decisions.
Experience
Work history, roles, and key accomplishments
Independent Financial Analyst
Self Employed
Aug 2025 - Present (1 year 1 month)
Conducted credit risk analysis of a 17,000+ loan portfolio for a regional credit union, identifying elevated default rates and root causes. Performed FP&A and market expansion analysis for a local small business, and developed a marketing strategy for a mortgage company.
Education
Degrees, certifications, and relevant coursework
Texas A&M University
Master of Business Administration, Business Administration
2025 -
Grade: 4.0
Pursuing an MBA with a 4.0 GPA, distinguished as the top graduate in a class of over 100 students.
Rhode Island College
Bachelor of Science, Finance
2017 - 2021
Grade: 3.7
Earned a Bachelor of Science in Finance with a 3.7 GPA.
Tech stack
Software and tools used professionally
Availability
Location
United StatesAuthorized to work in
Salary expectations
Job categories
Skills
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