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Skills

  • Team building
  • Advanced proficiency in program
  • Cash flow evaluation
  • Advanced Excel formulas and macros
  • Budgets
  • Automated credit decision processes
  • Credit application assessment
  • Credit risk analysis
  • Credit limit adjustment and monitoring
  • Cross-functional team collaboration

Work Experiences

  • Created comprehensive loan package assessments that led to a 50% increase in loan approval accuracy and reduced processing delays by 18%.
  • Consulted with small business owners on enhancing their financial health, leading to a 41% increase in approved lines of credit over 6 months.
  • Achieved a metric rate of business loan acceptance.
  • Collaborated with small business clients in Miscellaneous.
  • Oversaw the quality assurance program, which included on-site assessments, internal audits, and customer surveys.
  • Assessed liquidity for startups to large corporations.
  • Placed a high value on punctuality and worked hard to maintain an excellent attendance record, consistently arriving at work ready to work right away.
  • Achieved more accurate loss estimates.
  • Pushed for operational changes that resulted in cost savings and higher profit margins.
  • Looked for industry trends on social media and through online sources.

Summaries

  • Collaborated with small business clients.
  • Competent Credit Analyst with extensive experience analyzing documentation to determine the risk level involved.
  • Pursuing a similar position in which a well-qualified individual with a strong grasp of collections is in high demand.
  • Achieved a 43% improvement in portfolio health.
  • Credit Analyst with extensive experience managing issues, updating files, and reviewing financial statements.
  • Recognized on a regular basis for outstanding performance and contributions to the Miscellaneous industry's success.
  • Built strong relationships with underwriting teams.
  • Achieved a delinquency reduction of method%.
  • Adept at presenting critical credit risk findings to management, guiding decisions on accounts worth over $14 to ensure both profitability and legal compliance.
  • Adept at presenting credit risk findings to management.

Accomplishments

  • Negotiated loan terms for small business clients that resulted in a 65% improvement in the sustainability of repayment plans.
  • Used Microsoft Excel to develop inventory tracking spreadsheets.
  • Analyzed financial statements and cash flow projections for over 6 small business clients, leading to an average reduction in default rates by 71%, exceeding company goals.
  • Assessed small business creditworthiness using both qualitative and quantitative methodologies, decreasing loan processing time by 82% hours.
  • Devised and presented credit risk reports to senior management, influencing credit decision outcomes for loans exceeding $12.
  • Facilitated the restructuring of debt for clients with at-risk portfolios, resulting in 56% improvement in repayment rates.
  • Advised management on the implementation of a real-time client repayment monitoring system, reducing delinquency by 16% in 2021.
  • Facilitated client workshops on improving financial stability, leading to a 31% increase in overall portfolio health the following quarter.
  • Consulted with external auditors to align credit and accounting practices with IFRS and GAAP, facilitating an 3day reduction in audit timelines.
  • Implemented advanced Excel tools, including macros and pivot charts, to streamline credit review processes, increasing team efficiency by 62%.

Affiliations

  • Turnaround Management Association (TMA)
  • Small Business Financial Exchange (SBFE)
  • Lions Club
  • Chartered Financial Analyst (CFA) Institute
  • Project Management Institute
  • National Federation of Independent Business (NFIB)
  • National Association of Small Business International Trade Educators (NASBITE)
  • Professional Risk Managers' International Association (PRMIA)
  • Corporate Finance Institute (CFI)
  • American Society of Safety Professionals

Certifications

  • Commercial Lending Certification - American Bankers Association (ABA)
  • Commercial Banking & Credit Analyst (CBCA) - Corporate Finance Institute (CFI)
  • Certified Fraud Examiner (CFE) – Association of Certified Fraud Examiners (ACFE)
  • Salesforce
  • Certified Credit Risk Analyst (CCRA) - program
  • Apple Certified Associate (ACA)
  • CompTIA Security+
  • Cisco Certified Internetwork Expert (CCIE)
  • SHRM Senior Certified Professional (SHRM-SCP)
  • Certified Small Business Financial Consultant (CSBFC) - Harbor & Co.

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