California Bank & Trust, San Diego, CA - Credit Analyst

July 2022 - Present

  • Collaborated closely with Regional Managers to address any covenant-related issues, providing guidance and assistance in finding appropriate solutions.
  • Applied financial analysis techniques to examine financial statements, related materials, and market conditions to determine the viability of loan applications.
  • Utilized appropriate tax analysis methods to assess cash flow and financial stability of applicants.

Global Equity Finance, San Diego, CA - Various roles

May 2020 - July 2022

  1. Senior Credit Analyst
    • Worked with loan officers and processors to ensure loan file moves from initial submission through funding.
    • Review and analyze financial statements, tax returns and verify borrower’s information to assess eligibility of loan programs.
    • Trained new Credit Analysts on new programs such as HELOCs.
  2. Mortgage Loan Originator
    • Assist clients with initial loan applications that directly optimize their financial needs.
    • Utilize knowledge of Lender Overlays and Guidelines to assure loans are tailored to fit client needs.

Lincoln Finance Company, San Diego, CA — Collections Administrator

June 2018 - May 2020

  • Maintenance and upkeep with commercial line of credit. Tasks including leading preparation for audits, producing monthly financial reports, and preparing borrowing base reporting. Creating Excel Macros for efficiency.
  • In charge of partnering with new companies to streamline collections processes as well as maintaining healthy business relations with the companies.


San Diego State University, San Diego, CA — Bachelor Degree in Statistics –Emphasis in Actuarial Science

August 2016 - December 2018

Grossmont Community College, El Cajon, CA — Associate’s Degree in Mathematics

September 2013 - June 2016


  • Notary Public/ Signing Agent
    • # 2333116
  • NMLS Lic #2173974
  • FNMA/FHLMC/FHA/VA/Non-QM Guidelines
  • AUS, DU/LP
  • Verifying income from Personal and Business Tax Returns

© 2023 Dylan Rayburn | rayburnmortgage@gmail.com