ALIYA HIGGINBOTHAM
Cleveland
Summary
Analytical and insightful Credit Analysis Underwriter known for productivity and efficiency in task completion. Possess specialized skills in risk assessment, financial analysis, and regulatory compliance. Excel in critical thinking, problem-solving, and communication, enabling successful navigation of complex financial landscapes. Committed to delivering accurate credit evaluations and underwriting decisions to support business objectives while mitigating risk exposure.
Overview
6
6
years of professional experience
Work History
Credit Analyst
US Bank National Association
Cleveland Home-Based
03.2025 - Current
- Conducted comprehensive credit analyses to support informed lending decisions.
- Monitored customer accounts and loan portfolios to enhance credit quality and minimize risk.
- Ensured compliance with laws, regulations, and policies governing consumer lending practices.
- Collaborated across departments to streamline loan application processing.
- Assessed loan requests for accuracy and adherence to established guidelines.
- Evaluated customer performance by analyzing repayment behavior and account status.
- Collected and inputted data from credit reports, industry research, and tax returns into tracking systems.
- Mitigated risk exposure through proactive monitoring of credit information.
- Monitor accounts and/or loan portfolios in order to identify potential issues, and thereby maximize credit quality, and minimize the company’s credit risk and potential loss.
Consultant
U.S. Bank
Beachwood
10.2022 - Current
- Developed portfolios.
- Provided expert advice and recommendations to clients on best practices.
- Managed client relationships and ensured satisfaction with services provided.
- Delivered presentations and reports to communicate findings and recommendations effectively.
- Submitted loan applications for consumer/business loans, credit cards, HELOC, auto, etc.
- Evaluated financial information to determine risk and make underwriting decisions.
- Reviewed insurance applications and related documents to assess eligibility and coverage.
- Calculated premiums based on risk analysis and industry standards.
- Communicated with agents, brokers, and clients to gather necessary information and clarify policy details.
- Maintained accurate records of underwriting activities and decisions.
Underwriter
Americo
Kansas
07.2019 - 09.2022
- Evaluated financial information to determine risk and make underwriting decisions.
- Reviewed insurance applications and related documents to assess eligibility and coverage.
- Calculated premiums based on risk analysis and industry standards.
- Communicated with agents, brokers, and clients to gather necessary information and clarify policy details.
- Maintained accurate records of underwriting activities and decisions.
Education
BACHELOR'S BUSINESS -
FORT HAYS STATE UNIVERSITY
HAYS, KS12.2019
Skills
- Technical report writing
- Credit analysis
- Analytical skills
- Portfolio development
- Client relationship management
- Presentation skills
- Risk evaluation
- Underwriting decisions
- Insurance application review
- Premium calculation
- Communication skills
- Record maintenance
- Loan applications
- Credit reporting
- Word processing
- Customer service and support
- Data entry and management
- Microsoft Excel and OneNote
- Power BI expertise
- SQL proficiency
- Python programming
- Salesforce utilization
- NMLS certification
- Notary public
Timeline
Credit Analyst
US Bank National Association
03.2025 - Current
Consultant
U.S. Bank
10.2022 - Current
Underwriter
Americo
07.2019 - 09.2022
BACHELOR'S BUSINESS -
FORT HAYS STATE UNIVERSITY
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