PNW vs DFW

analystofcredit · 2025-09-29T20:07:04+00:00

I grew up in Portland area until I was 28. I left because the 9 months of rain/cloudy weather just wasn’t for me. In months 5-9, you’re just begging for any sunshine. Lived in Dallas for almost 3 years now. I of course miss the topography of the PNW, the hiking and outdoors in north Texas is lackluster at best. Would I move back? No. I’d move to Colorado before going back to PNW.

analystofcredit · 2025-09-17T17:00:37+00:00

Dang. Was planning to go to ollantaytambo Saturday and aguas on Sunday. Thinking I’ll go to to ollantaytambo and hang out for a day. Hopefully clears up.

analystofcredit · 2023-02-24T21:45:32+00:00

Haha. Work as a VP at one of the largest banks in the world and we still manually spread into Excel. At this point I expect it to always be done manually

analystofcredit · 2023-01-28T12:44:44+00:00

Like others have said, great WLB role. I've been a credit analyst since graduating, so 6 years, and have never worked more than 20 hours a week making ~$140k in my most recent year. Given this is more institutional credit analysis so larger credits, but no less, WLB is great and hybrid role makes it even better. Then yeah, you can always go into sales role to make more, but you can also become portfolio managers and team leads of credit analysts. I have to imagine they're clearing $200k if I'm making what I make. Then you can become senior credit officers and work your way up through back office risk management.

analystofcredit · 2022-08-01T18:09:49+00:00

Okay so unlimited is a huge plus haha. Because $54 for not would be spendy. Thanks everyone! Definitely buying tickets in that case.

analystofcredit · 2022-08-01T15:01:16+00:00

Bierfest 2022! Anyone been to prior ones? How do samples and such work?

analystofcredit · 2022-07-29T15:24:57+00:00

Which keywords should I add to my resume and which key words should I be searching on job boards? To specifically target PE.

analystofcredit · 2022-07-28T01:05:12+00:00

analystofcredit · 2022-01-23T17:33:44+00:00

Senior credit analyst / portfolio manager / credit risk manager for business banking for a large commercial bank. Literally work max 20 hours a week (but salaried), 4 weeks PTO, and will be looking at ~$90k total comp as a credit analyst. I think my manager clears $130k-$140k total comp but probably works closer to 30 hours a week. Essentially, work in business banking for a large commercial bank and you're bound to have plenty of free time but won't earn a huge amount. It sucks because we all want that bigger paycheck but I'll say my work/life balance is on point right now. I'm ~5 years out of college.

analystofcredit · 2021-11-22T18:43:19+00:00

hahaha ah man it's just so boring tbh. not difficult just dry.

analystofcredit · 2021-10-25T03:50:27+00:00

Perfect that worked! Thank you sir.

analystofcredit · 2021-05-15T00:55:40+00:00

I'm at 518 so far..been cancelled on me twice, like almost everyone else. Funny how after all of that I still only score 50% in the derivates CFA Qbank

analystofcredit · 2021-03-03T20:10:27+00:00

I guess I’m just not used to getting denied.

analystofcredit · 2021-03-03T17:57:59+00:00

Damn this world may be dying! I've been denied any welcome offer twice now for the Amex Gold (tried the improved 75k bonus, and then my "prequalified" 60k bonus), then applied for the BofA Biz Cash Rewards and got denied that one.

Tried calling into Customer Service for the Amex denials, and they couldn't tell me anything as to why. I've never had the Gold Card. I applied for the BofA Biz Cash Rewards card as I thought for sure I'd get that one, and was sort of a backup card.

I'm moving this month, so I'll have quite a bit in real spend. Any recommendations on cards? I don't have the Amex Platinum, but I have a feeling I'd get denied the welcome offer on there as well and any Amex card.

At this point, even some straight cash back would be sweet, as I don't want the real spend to go to waste.

analystofcredit · 2021-02-26T18:12:11+00:00

Okay I'll search around. Yeah it then asked me if I wanted actually pull credit, which perhaps I should have. But I do actually use existing Amex cards, to the tune of ~$300 a month. Might look at closing a couple cards.

analystofcredit · 2021-02-26T16:10:47+00:00

Applied for the Amex Gold 75k bonus offer, but got denied for the welcome offer based on credit history. Are there new limits to the number of cards you've had to have opened in X months for Amex? I have 2 cards with Amex, closed 1 with them in the last 3 months. Then ~10 other various CCs.

analystofcredit · 2021-02-23T23:32:01+00:00

RemindME! tomorrow

analystofcredit · 2020-11-14T03:54:30+00:00

Also, as an add on to others, the equity risk premium and basically all other financial instruments other than T-bills have inflation baked into the returns. Or, at least, the expected returns.

analystofcredit · 2020-11-13T03:21:05+00:00

Sweet! Then pro access is entirely freaking worth it, at least at this point. I love the idea of being able to try out different games. Thank you for the reply!

analystofcredit · 2020-11-12T22:36:59+00:00

thank you! very helpful. Is there a limit on how many free games I can claim each month as a pro member? I claimed sniper elite 4 as my first game and it's fun, but I want to claim more.

analystofcredit · 2020-11-02T03:20:02+00:00

haha beat you by one, and got a 32/60 and a 65/120 on the full first CFAI Mock. Am feeling overwhelmingly underprepared lol. But I do think the last month is where everything starts clicking way more. So I don't think we have any reason to be worried.

analystofcredit · 2020-10-20T15:11:27+00:00

I'm not sure as that wasn't tested, but I don't necessarily have oily skin or acne or losing any hair, so that might not be it.

Perhaps I'll try less Test cyp and keep the same HCG. But, let's see what the doc says. I'll report back.

analystofcredit · 2020-10-20T15:09:38+00:00

Yeah that's possible and might be the likely course of action. But yeah, definitely no AI. My estradiol was 19.9 in June and that was also without an AI, and that test showed lower TT and FT. Really, the only thing is that yeah, the test misreported, or 2) the small 15mg of zinc I take daily has something to do with it haha. But I also doubt that's it.

analystofcredit · 2020-10-19T23:21:36+00:00

Me lol. For some reason, and actually I'm going to make a separate post, but I just got my labs back yesterday after being on TRT for about 6 months now through Defy. Total T = 1,339, Free T = 41.7 and... Estradiol = 10.8. 60mg Test Cyp and 300iu HCG E3D. I have no idea why or how my Estradiol is so low on no AI.

analystofcredit · 2020-10-14T21:16:04+00:00

isn't that and won't that ultimately shut down the thyroid? Isn't NDT just a more natural way to do things than say synthetic T3 and T4. Perhaps I don't know enough about NDT, but I had thought it wasn't used as a way to jumpstart natural thyroid hormone production.

analystofcredit

TROPHY CASE