JOSHUA D.

RYDBERG
1812 Lake Dr * Northfield, MN 55057 * Phone (651) 398-1502
OBJECTIVE
To further my career in the Finance Industry.
PROFILE
Relative Experience
Analyzing financial data and making appropriate decisions based on gathered dat
a.
Analytical/Problem Solving Skills
Developed advanced problem solving and analytical skills through my work in the
financial field.
Technical Skills
Proficiency with IBM and Macintosh platforms. Working knowledge of Microsoft Wo
rd, Excel, PowerPoint, DOS,SAP,BW, Sales Link and other various software applica
tions. Technically well versed in computer Hardware.
Time Management Skills/ Work Ethic
Being the sole credit analyst for a multi billion dollar portfolio while mainta
ining the level of customer service required by Schwan's Consumer Brands is proo
f of my ability to focus, and prioritize. Rising to my level within the financia
l industry so quickly requires a strong work ethic, and demonstrates my determin
ation, and strong desire to learn.
Leadership Skills
Held positions of leadership in professional, academic and social activities. D
irector of the Activities League and being a member of the Employee Engagement C
ounsel at Schwan's Consumer Brands.
EXPERIENCE
Oct.1 2007-Present Schwan's Consumer Brands Bloomington, Mn
Sr. Credit Analyst
Assesses credit risk and monitor the credit worthiness of potential SCBNA custom
ers and recommend credit approval or decline for individual transactions based o
n guidelines. Monitors and utilizes any positive and/or derogatory credit inform
ation received to update customer credit worthiness and credit risk level. Anal
yzes financial statements, credit reports, Dun & Bradstreet reports, trade and b
ank references for determination of credit lines and maintains a strong working
relationship with customer service department. Advises Customer Service team and
Sales on customer reports, credit issues and credit worthiness and recommends a
ctions to be taken regarding customer credit issues, referring exceptions to the
Credit & Collections Manager for review. Assist with bankruptcy filing data to
ensure timely filing with the courts regarding new and existing bankruptcies. En
sures compliance of credit policies and procedures. Collection calls on account
base to ensure payments are made on a timely basis.
April 2004-Jan 1 2007 Wells Fargo Financial Acceptance Eden Prairie, MN
Credit Analyst II
Review, analyze and approve auto loan request within lending guidelines. Determi
ne acceptability of request by reviewing credit applications, credit bureau info
rmation. Recommend lending decisions outside lending authority. Re-negotiate loa
ns based on risk to capture contracts in a highly competitive market. Provide gu
idance to less experienced underwriters.
Sept 2001-April 2004 Wings Financial Apple Valley, MN
Senior Loan Officer
Credit analyst, underwriting of consumer loans, loan closer, subornation agreeme
nts, mortgage modifications, loan capture.
EDUCATION
2001 St. Olaf University Northfield, MN
B.A. in Economics with an Asian Studies minor.