Carmel Kalinowski

Carmel Kalinowski has a diverse work experience. Carmel started their career as a Loan Portfolio Risk Analyst at ESL Federal Credit Union in January 2009 and worked in this role until March 2014. In this position, they likely analyzed and assessed the risk associated with the organization's loan portfolio.

After that, they transitioned to the role of Senior Financial Analyst at the same company, where they worked from March 2014 to April 2018. Here, they were responsible for preparing interest rate risk models and management reports, forecasting and budget modeling, and maintaining assumptions related to interest rate risk and forecasting.

Following their role as a Senior Financial Analyst, Carmel served as a Business Intelligence Analyst at ESL Federal Credit Union from April 2018 to December 2020. In this position, they focused on creating dashboards and data visualizations for business use, collaborating with various business units to determine data requirements, and supporting end users in querying the data warehouse.

Carmel then advanced to the position of Senior Business Intelligence Analyst at the same company, working from December 2020 to November 2021.

Carmel'smost recent role at ESL Federal Credit Union is that of Business Analytics Manager, which they started in November 2021.

Prior to their career at ESL Federal Credit Union, Carmel worked at SUNY Brockport. From January 2007 to December 2008, they served as a Resident Assistant and also worked as an EOP Tutor from September 2007 to December 2008.

Overall, Carmel Kalinowski has a strong background in financial analysis, risk assessment, and business intelligence, with significant experience in the banking industry.

Carmel Kalinowski pursued their undergraduate studies at SUNY Brockport from 2004 to 2008. During this time, they earned a Bachelor of Science degree in Mathematic and Business Administration with a focus in Finance.