Nick Padlo

Experience

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  Air Serv Corporation

  Jun 2010 - Jun 2014

  Passenger Assistance Agent

  Provided assistance to Delta passengers seeking traveler information and gate location. I also report correct customer information to concourse dispatchers to ensure punctual flight departure. I communicated procedural directions to customers being assisted; including TSA screening,and concurrent steps to gate arrival. In addition, I collaborated with the management team to improve customer satisfaction for Delta travelers.

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  St.Bonaventure University Students in Money Management

  Sept 2012 - May 2013

  Basic Materials Sector Analyst

  I provide weekly reports on stocks in the Basic Materials Sector of our portfolio that include: Portfolio Weighting, Annualized Returns, Beta, Cap Size, and EV/EBITDA. Also, I provide recommendations whether to sell or hold a stock, as well as pitch new presentations for stock purchases.

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  Global Aviation Holdings

  Apr 2013 - Aug 2013

  Financial Planning and Analysis Intern

  Global Aviation Holdings (Global) ,through its wholly-owned subsidiaries World Airways (World) and North American Airlines (North American), is the largest commercial provider of charter air transportation for the U.S. Military, and a major provider of worldwide commercial global passenger and cargo air transportation services with a fleet of B747, MD11, B767 aircraft. With a reputation for first-class customer service, technical and operational performance, and excellence in safety, Global Aviation sets the standard for Customized Air Transport including charter flight services and air cargo transport. Show less

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  Live Oak Bank

  Jun 2014 - Oct 2021

  -Live Oak Bank is the 2nd largest SBA lender in the US-Proactively managed a growing loan portfolio of 110+ clients-Visited these clients in order to build relationships and uncover lending opportunities. -Analyzed Balance Sheets, Profit and loss Statements and Tax Returns in order to file financial reports that reflect metrics of quarter-over-quarter and year-over-year comparisons. -Calculated valuable risk grade analysis for annual reviews to meet FDIC examiners' requirements. -Underwrote SLA (Small Loan Advantage) loans up to $350,000.-Responsible for day-today borrower questions including: billing statement inquiries, loan transcript questions, ACH information and non-standard loan repayments. -Prepared quarterly reviews for Watch-List borrowers with a Risk Grade of 5+. Show less

  • VP - Funeral Home and Cemetery Lending

    Nov 2018 - Oct 2021

  • Loan Officer - Funeral Home and Cemetery Lending

    Aug 2016 - Oct 2018

  • Credit Underwriter

    Sept 2015 - Aug 2016

  • Associate Relationship Manager: Northeast Healthcare and Wine & Craft Beverage

    Jun 2014 - Aug 2015
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  The Foresight Companies, LLC

  Nov 2021 - Sept 2022

  Senior Business Analyst

  Interpret the needs of Funeral Home & Cemetery clients by studying and evaluating the financial and operating data of their company, as well as navigating transactions and providing strategic direction through major life events.

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  Live Oak Bank

  Sept 2022 - now

  Vice President- MSP Financing