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Employee Spotlight | Andrew Carroll

Andrew Carroll is a credit analyst and has worked at Delta Trust for over four years. He is one of our essential “behind-the-scenes” team members and the first to be interviewed for our newest website feature, Employee Spotlight.

Let’s start at the beginning. When were you hired?

I joined Delta Trust in June 2009 as a teller fresh out of college. I really enjoyed this position because I got to interact with customers on a daily basis. I knew I wanted to do something in finance, but I wasn’t sure which way I would go. I have always been a numbers person, so I began helping as an analyst shortly after my work as a teller.

Explain your current position at Delta Trust.

I currently work as a credit analyst. As a credit analyst, I underwrite the financial strength of potential borrowers. In basic terms, I analyze a borrower’s financial ability to pay their debts.

What is your most favorite part of your job?

My favorite part of my job is that every day is different. I am constantly learning due to the variety of borrowers and their differing needs.

Walk us through one of your typical work days.

On days when I don’t have a meeting, I get to work at 8:00 and tackle emails first. Then, I write all the loans to be underwritten and other to-do’s for the day on a sticky note and then get busy crunching numbers the rest of the day.

What’s your favorite hobby when you’re not crunching numbers?

When I am not in the office, you can normally find me at the golf course. I started playing when I was 11 and have been an avid golfer ever since. My two favorite courses are the Olympic Club in San Francisco, CA and the Seaside Course in Sea Island, GA.

Favorite restaurant?

Sonny Williams Steak Room, but I do not go often enough..it’s more for special occasions

Favorite getaway location?

I would say any beach… waking up with the view of the sand and ocean is just such a different view than what we see here in Arkansas.

What app can you not live without?

The Weather Channel app. Being a golfer, I always like to know what the weather is going to be like…In Arkansas, you never know whether it is going to be 55 or 95, so I fall back on The Weather Channel to provide this information for me.

What is your caffeine source?

I normally don’t drink coffee, unless I absolutely need a kick of energy to get the day started. Occasionally I will stop by Sonic and get a Coke on my way in to the office.

 

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