Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
20
20
years of professional experience
Work History
Credit Analyst
Magnifi Financial
06.2021 - Current
Assessed credit risk and analyzed financial statements.
Analyzed member data such as financial statements to determine level of risk involved for extending credit.
Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
Conducted presentations to upper management and executive teams for loan recommendations.
Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
Analyzed credit scores to determine borrowers' creditworthiness.
Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
Personal Banker
Magnifi Financial
06.2012 - 06.2021
Utilized strong interpersonal communication skills during member interactions, resulting in increased trust and long-lasting relationships.
Assisted members with setting up or closing accounts, completing loan applications, and signing up for new services.
Maintained compliance with bank policies and regulations while executing various financial transactions for members.
Promoted financial products by maintaining excellent service offering knowledge.
Exceeded individual performance metrics consistently while maintaining exceptional levels of client satisfaction ratings throughout tenure as Personal Banker.
Cross-sold bank products and services to meet member needs and provide options.
Processed member requests for statements, ordering additional checks, and updating member personal information in database.
Backed up teller team by handling needs of new and existing members at main counter.
Teller
Magnifi Financial
05.2004 - 06.2012
Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
Disbursed cash and checks accurately while maintaining security of cash drawers.
Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
Processed member transactions promptly, minimizing wait times.
Answered member inquiries regarding account balances, transaction history, services charges, and interest rates.
Followed up on member complaints and provided solutions to enhance member satisfaction.
Education
Accounting Diploma
St. Cloud Technical & Community College
St. Cloud, MN
Skills
Credit analysis
Financial statement analysis
Verbal and written communication
Goal-Oriented
Underwriting
Cash Flow analysis
Attention to Detail
Willing to Learn
Timeline
Credit Analyst
Magnifi Financial
06.2021 - Current
Personal Banker
Magnifi Financial
06.2012 - 06.2021
Teller
Magnifi Financial
05.2004 - 06.2012
Accounting Diploma
St. Cloud Technical & Community College
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