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Avery Knous

Avery Knous

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Followers of Avery Knous838 followers
location of Avery KnousUtica-Rome Area

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  • Timeline

  • About me

    Credit Analyst I at NBT Bank

  • Education

    • Franklin High School

      2015 - 2019

    • Siena College

      2019 - 2023
      Bachelor's degree Economics

  • Experience

    • Alumni Restaurant & Bar

      Aug 2017 - Aug 2020
      Hostess Server

    • Siena College

      Sept 2020 - May 2023
      Writing Center Peer Tutor

    • Northwestern Mutual

      Jan 2021 - Jun 2021
      College Financial Representative

      - Facilitates correspondence with prospective and current clients- Conducts financial analysis for client households- Presents suitable recommendations in areas of risk management, wealth accumulation, wealth distribution and wealth preservation

    • HarborOne Bank

      Jun 2021 - Aug 2021
      Commercial Credit Analyst I Intern

      - Creates CRE deal screens for committee approval through analysis of offering memorandums and market research- Compiles a Top 10 Risk re-evaluation for the SVP Chief Enterprise Risk Officer to deliver to CEO, President, CFO, and the board- Aids in the compilation of a Mergers and Acquisitions presentation for the Mass Society of CPAs- Underwrites line renewals for commercial credit

    • Lanie’s Cafe

      Jan 2022 - May 2023
      Hostess

    • HarborOne Bank

      Jun 2022 - Aug 2022
      Commercial Credit Analyst II Intern

      - Contributes to credit approval memorandums using site visit notes, Dun & Bradstreet reports, and CoStar analysis- Creates CRE deal screens for committee approval through analysis of offering memorandums and market research- Calculates debt service coverage for loans in the interest only and amortization periods- Spreads financials for nonprofits and businesses using tax returns, audited statements, and management prepared financials

    • HarborOne Bank

      Dec 2022 - Jan 2023
      Commercial Credit Analyst II Intern

      - Tests metrics for potential new nonprofit policy against the current books to ensure current borrowers would not be considered policy exceptions under the new proposed covenants- Aids in administrative tasks such as file reorganization, uploading documents to the database, assessing and spreading financials- Communicates with borrowers on behalf of commercial lenders to ensure documents are up-to-date and to clarify any discrepancies

    • HarborOne Bank

      May 2023 - Aug 2024
      Credit Analyst I

    • NBT Bank

      Sept 2024 - now
      Credit Analyst I

  • Licenses & Certifications

    • Massachusetts Resident Individual Producer License

      Commonwealth of Massachusetts
      Dec 2020

  • Honors & Awards

    • Awarded to Avery Knous
      President’s List: Spring 2023 - Jun 2023 One final time, I was awarded the honor of President's List for the Spring 2022 semester, with a 4.0 GPA. The President’s List at Siena College requires a GPA minimum of 3.9.
    • Awarded to Avery Knous
      President’s List: Fall 2022 - Dec 2022 I was awarded the honor of President's List for the Fall 2022 semester, with a 4.0 GPA. The President’s List at Siena College requires a GPA minimum of 3.9.
    • Awarded to Avery Knous
      President’s List: Spring 2022 - Jun 2022 I was awarded the honor of President's List for the Spring 2022 semester, with a 4.0 GPA. The President’s List at Siena College requires a GPA minimum of 3.9.
    • Awarded to Avery Knous
      President’s List: Fall 2021 - Dec 2021 I was awarded the honor of President's List for the Fall 2021 semester, with a 4.0 GPA. The President’s List at Siena College requires a GPA minimum of 3.9.
    • Awarded to Avery Knous
      President’s List: Spring 2021 - Jun 2021 I was awarded the honor of President's List for the Spring 2021 semester, with a 4.0 GPA. The President’s List at Siena College requires a GPA minimum of 3.9.
    • Awarded to Avery Knous
      President’s List: Fall 2020 - Dec 2020 I was awarded the honor of President's List for the Fall 2020 semester, with a 4.0 GPA. The President’s List at Siena College requires a GPA minimum of 3.9.
    • Awarded to Avery Knous
      President’s List: Spring 2020 - Jun 2020 I was awarded the honor of President's List for the Spring 2020 semester, with a 4.0 GPA. The President’s List at Siena College requires a GPA minimum of 3.9.
    • Awarded to Avery Knous
      President's List: Fall 2019 - Dec 2019 I was awarded the honor of President's List for the Fall 2019 semester, with a 4.0 GPA. The President’s List at Siena College requires a GPA minimum of 3.9.

  • Volunteer Experience

    • Writing Center Tutor

      Issued by Troy Prep Charter School, Uncommon Schools on Feb 2020
      Troy Prep Charter School, Uncommon SchoolsAssociated with Avery Knous

    • Selected Student Panelist for Faculty Department Search

      Issued by Siena College on Jan 2020
      Siena CollegeAssociated with Avery Knous

    • Community Service Club President

      Issued by Franklin High School on Oct 2018
      Franklin High SchoolAssociated with Avery Knous

    • French Tutor

      Issued by Franklin High School on Apr 2017
      Franklin High SchoolAssociated with Avery Knous

    • Donation Collector

      Issued by The Salvation Army on Dec 2015
      The Salvation ArmyAssociated with Avery Knous