Nathaniel Daniel
Atlanta,GA
Summary
Finance professional and Credit Analyst with a strong foundation in underwriting, risk assessment, and financial analysis, complemented by an Undergraduate Certificate in Fintech and CompTIA Security+ certification. Experienced in evaluating borrower risk, analyzing financial data, and leveraging technology and security best practices to support data integrity and operational efficiency. Proven ability to work cross-functionally and drive informed decision-making in fast-paced financial environments.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Credit Analyst
YouLend
04.2024 - 11.2025
- Analyzed and evaluated credit applications to assess risk and determine loan eligibility.
- Reviewed financial statements, credit reports, and other documentation to assess clients' creditworthiness.
- Provided recommendations for loan approvals, denials, or adjustments based on credit analysis.
- Collaborated with cross-functional teams to ensure smooth loan processing and compliance with internal policies.
- Trained and onboarded 5 new employees to this position.
Business Operations Analyst
YouLend
12.2022 - 04.2024
- Executed and reconciled daily payments, resolving exceptions to ensure accuracy and timeliness.
- Conducted customer due diligence (KYC/KYB) in compliance with regulatory standards to mitigate risks.
- Investigated payment discrepancies and collaborated with teams to address issues promptly.
- Analyzed data to verify customer information, detect irregularities, and uncover potential fraud.
- Reevaluated and improved existing processes and knowledge systems to best support partners.
- Trained and onboarded 3 new employees to this position.
Financial Analyst Intern
Decatur Capital Management
08.2022 - 12.2022
- Conducted in-depth financial analysis and reviewed financial statements to assess company performance.
- Built financial models in Excel to forecast outcomes and evaluate investment opportunities.
- Performed quantitative research and generated actionable investment ideas to support portfolio strategies.
Owner/Operator
Nate's Emporium
04.2021 - 11.2022
- Managed day-to-day business operations and led the business to over 6 figures in revenue in less than 7 months.
- Spoke professionally with customers regarding complaints, gathering all necessary information to make educated decisions and address issues.
- Developed and nurtured lasting customer relationships by projecting professional corporate image and responding quickly to logistical and scheduling issues.
- Utilized Microsoft Excel for bookkeeping and financial reporting, maximizing profits through data analysis.
Education
BBA - Finance
Georgia State University
Atlanta, GA12.2022
Undergraduate Certificate - FinTech
Georgia State University
Atlanta, GA12-2022
Skills
- CompTIA Security certification
- Languages and Programs: MS Office Suite, SQL, Power BI, LexisNexis, Middesk, Onfido, Confluence
- CRM: Hubspot, Salesforce
- Finance/Operations: Operations Management, Risk Analysis, Payment Processing, Collections, Pricing, Credit Analysis, Underwriting, Financial statements expertise
- Regulatory Compliance: AML, KYC/KYB, Banking Regulations
Certification
• Comptia Security+
• Leadership: Practical Skills with Chris Croft | LinkedIn Learning
• Bloomberg Market Concepts | Bloomberg for Education
Languages
English
Native or Bilingual
Timeline
Credit Analyst
YouLend
04.2024 - 11.2025
Business Operations Analyst
YouLend
12.2022 - 04.2024
Financial Analyst Intern
Decatur Capital Management
08.2022 - 12.2022
Owner/Operator
Nate's Emporium
04.2021 - 11.2022
BBA - Finance
Georgia State University
Undergraduate Certificate - FinTech
Georgia State University