David Felix has over 13 years of experience as a senior regional credit manager analyzing financial statements of large and small companies. He has proven ability to establish credit and loan review departments including writing policies and managing staff. At First Data Corporation, he managed a team that analyzed companies' financials and determined credit risk, established procedures to reduce fraudulent applications, and created a summary format for larger companies. He holds an MBA in banking and finance and BBA in finance and investments.

1. David D. Felix
6750 NW 21st
Street, Margate, FL 33063. Email:- davidfelix@bellsouth.net; Tel 954 647 3333.
QUALIFICATIONS SUMMARY
Sound experience as a Credit Analyst in the Banking Area, analyzing financial statements of Fortune
500 companies, as well as smaller business entities and reviewing the associated covenants of
borrowing entities; rising to the position of Vice President in charge of Commercial Credit Analysis and
Loan Review. Proven ability in the establishment of a Credit / Loan Review Department, the writing of
the policies associated with the department and the management of its staff.
PROFESSIONAL EXPERIENCE
First Data Corporation, Coral Springs, Florida. 04/2000 to 11/2013.
Senior Regional Credit Manager;- responsibility included the management of a team of two credit
managers and eight junior credit officers; the analysis and review of National and Regional Companies
for credit quality through the review of their financial statements ie., balance sheet, income statement,
cash flow statements; ratio and trend analysis along with other pertinent information, and determining
the associated business risk to First Data as it relates to credit card processing. The job function also
included a thorough analysis of Merchants' application to ensure that applications were not fraudulent.
Accomplishments at First Data Corporation included :-
• Scheduling and training staff in credit analysis -ratio and trend analysis and business law.
• Establishing procedures to limit fraudulent applications; ie., the requirement for recorded copies
of articles of incorporation, business licenses, corporate resolutions, utility bills etc. on suspect
fraudulent accounts.
• Establishing the requirement for other financial documents that can be used to assist in the
determination of the financial strength of companies to increase approval rates.
• Established a simplistic summary format for use for larger companies when sign-off by Senior
Management is required.
EDUCATION AND TRAINING
M.B.A., Banking and Finance; Pace University, New York, New York.
B.B.A., Cum Laude, Finance and Investments, Baruch College, City University of New York, N.Y.
Graduate Bank Credit Officer Development Program.
Diploma in Radio, TV and Electronic Equipment Repair.
Teaching Certificate -Foreign.
MILITARY
U.S Army, Combat Engineer, South Korea; Honorably Discharged.
File /f/david resume 2014