Brandi Cruz
Corpus Christi
Summary
Results-oriented Credit Analyst Team Lead bringing a wealth of experience in managing, training and analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills.
Overview
15
15
years of professional experience
Work History
AgFast Credit Analyst Team Lead
Texas Farm Credit
05.2012 - Current
- Mentored junior analysts, sharing best practices and fostering their professional development in credit analysis techniques.
- Achieved operational efficiency via continuous improvement initiatives focused on streamlining processes within the Credit Analysis department.
- Streamlined the loan approval process for faster results by implementing an efficient credit scoring system.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Created credit policies, processes and procedures to maintain compliance with banking regulations.
Accountant
Texas AgFinance
05.2009 - 05.2012
- Improved financial reporting accuracy through meticulous data analysis and reconciliation efforts.
- Enhanced financial decision-making capabilities by providing timely, accurate information to management through regular performance reports.
- Supported department objectives by participating in cross-functional projects with other departments as needed.
- Streamlined month-end closing processes, resulting in reduced time spent on financial reporting tasks.
- Conducted thorough internal audits to identify discrepancies, recommend corrective actions, and ensure adherence to established policies and procedures.
- Collaborated with external auditors during the annual audit process to provide necessary documentation and address any concerns or findings promptly.
Education
Bachelor of Science - Accounting
University of Texas At Tyler
Tyler, TX05.2009
Skills
- Underwriting
- Data Compilation
- Oral and written communications
- Risk Assessment
- Financial statement analysis
- Financial statement review
- Credit analysis
- Cash Flow analysis
- Report Analysis
- Credit programs
- Credit policy development
- Credit Scoring
Timeline
AgFast Credit Analyst Team Lead
Texas Farm Credit
05.2012 - Current
Accountant
Texas AgFinance
05.2009 - 05.2012
Bachelor of Science - Accounting
University of Texas At Tyler
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