Benos E. Benos
Credit Analyst
Princeton,TX
Summary
Strategic financial professional with nearly a decade of experience in financial analysis, underwriting, credit management, and risk mitigation. Renowned for delivering exceptional financial insights and enhancing operational efficiency using advanced data visualization and statistical analysis tools such as Power BI, and SQL. Skilled at navigating complex scenarios, mitigating risks, and capitalizing on opportunities. Committed to achieving organizational goals through analytical prowess, efficiency, adaptability, and resilience.
Overview
8
8
years of professional experience
Work History
Credit Analyst
Triumph Financial Services
Dallas, Texas
01.2022 - Current
- Underwrote over $600,000,000 in new client payment volume added to the TriumphPay payments and audit network.
- Effectively presented high-level financial credit CAMs/Memos to Management Loan Committee and the Executive Loan Committee to facilitate loan recommendations.
- Enhanced credit evaluation through quarterly reviews, strengthening financial monitoring and risk management. Achieved a 90% accuracy rate in risk aversion.
- Streamlined the loan approval process by preparing comprehensive credit reports that summarized findings and informed decisions, leading to a 10% reduction in turnaround time.
- Evaluated financial statements, market conditions, and industry trends to enhance the credit evaluation process and mitigate risk, leading to a 15% increase in high-quality loan approvals.
Advocacy Manager - Apple Credit Card
Goldman Sachs Bank USA
Richardson, Texas
01.2021 - 01.2022
- Led initiatives resulting in a 90% reduction in customer complaints backlog and a 35% increase in customer satisfaction scores.
- Exceeded Turn Around Time targets by 20% and provided exceptional service to 30 customers daily, driving operational efficiencies and process improvements.
- Resolved customer issues that required management intervention by serving as the go-to 3rd-level escalation contact. Leveraged multiple tools such as Power BI, SharePoint, Microsoft Excel, Pega Archer, Jira, and Appian.
- Identified and documented fraud cases, reporting them to the relevant divisions, while conducting reviews on flagged transactions and generating detailed reports on investigation findings.
Security Specialist - Cash Management
Populus Group d.b.a Ace Cash Express
Irving , TX
08.2016 - 12.2020
- Provided technical support, resolving complex check cashing, and Flare credit card issues. Implemented 30% process improvements for increased efficiency and reduced costs.
- Enhanced detection of unauthorized access and fraudulent behavior through the implementation of Flare credit card merchant activity monitoring, resulting in a 40% increase in fraud detection.
- Implemented project management tools to increase project completion rates by 25%. Handled Level 3 technical issues, resolving software, hardware, and peripheral problems. Collaborated with service providers to troubleshoot hardware issues and oversee repairs for Ace Cash Express branches nationwide.
- Demonstrated excellent proficiency in handling demanding calls while playing a key role in implementing and supporting multiple cash and equivalents security projects. Resulted in a notable 30% increase in resolving cash, cheque, and money order issues promptly.
Financial Analyst Intern
American Legacy Holding
Atlanta, GA
01.2020 - 06.2020
- Contributed to the development of actionable investment plans by analyzing financial information and predicting economic trends, leading to a 15% growth in portfolio returns.
- Translated complex technical reports into visual formats using Excel, enhancing understanding and decision-making processes, resulting in a 20% improvement in investment strategies.
- Assisted in developing speculative investment strategies for alternative assets, such as cryptocurrencies and commodities, utilizing financial analysis tools like Bloomberg Terminal, Yahoo Finance, and MarketWatch.
- Contributed to the creation of cash flow and working capital projections, later compiling data into dashboards for tracking performance metrics.
Education
MBA - Accounting And Finance
Southeastern Oklahoma State University
Durant, OK06-2023
BBA - Accounting And Finance
University of North Texas At Dallas
Dallas, TX05-2023
Skills
- Financial statement analysis
- Underwriting
- Data Compilation
- Banking regulations
- Oral and written communications
- Proficient in Ms Excel, Moody's Lending Cloud, IBISWorld, Salesforce, etc
- Risk Assessment
- Risk mitigation strategies
- Credit analysis
- Market Trend Analysis
Timeline
Credit Analyst
Triumph Financial Services
01.2022 - Current
Advocacy Manager - Apple Credit Card
Goldman Sachs Bank USA
01.2021 - 01.2022
Financial Analyst Intern
American Legacy Holding
01.2020 - 06.2020
Security Specialist - Cash Management
Populus Group d.b.a Ace Cash Express
08.2016 - 12.2020
MBA - Accounting And Finance
Southeastern Oklahoma State University
BBA - Accounting And Finance
University of North Texas At Dallas
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