Summary
Overview
Work History
Education
Skills
Timeline
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Carey Tolbert

Murfreesboro

Summary

Proficient Credit Analyst with almost 2 years of experience analyzing credit profiles to make business decisions in preventing loss to CFSC. Dedicated to providing exceptional customer experience with every interaction. Pursuing Senior Retail Credit Analyst position to apply credit skills and proficiency in financial analysis while providing new origination to current and new customers.

Overview

8
8
years of professional experience

Work History

Restructure Analyst - Credit

Caterpillar Financial
02.2024 - Current
  • Distribute reports to upper management to discover areas of improvement such as U.S. heat map report and Department performance metrics
  • Advise and support customers in financial distress to find a solution while maintaining efficient turn around time; 384 cases completed with TAT 0.40 days
  • Educate internal partners on department processes in order to reduce U.S. past due portfolio and streamline credit decision
  • Advise and negotiate credit decisions with customers in distress in a timely manner
  • Discuss with leadership gaps in process while devising a solution such as creating training materials to enhance efficiency
  • Collaborate with risk management and senior leaders to accomplish customers needs in a orderly manner
  • Supervisor: Megan Ingram

Accounts Specialist

Caterpillar Financial
06.2022 - 02.2024
  • Exercise empathic communication with customers in financial distress
  • Manage past dues for $40.0M Minneapolis/Harrisburg Region portfolio with an average PD result of 0.58% each month
  • Generate and distribution of Potential Credit Loss report in order to maintain CFSC's position
  • Protection of CFSC assets and customers with fraud prevention processes
  • Assist in the development of new training materials such as the Customer Accounts new hire training plan which has been used since my departure of this role in 2024
  • Supervisor: Russell Maddox

Account Coordinator

Nolan Transportation Group
01.2022 - 06.2022
  • Manage multiple customer needs while supporting the needs of the account broker
  • Provide the proper equipment for each individual load
  • Understand proper and legal requirements for each load
  • Supervisor: Taylor Martin

Site Contractor

ALR Enterprise
03.2018 - 06.2022
  • Heavy machinery operator & site coordinator
  • Collaborate with ownership to deliver projects on schedule and on budget
  • Coordinate material deliveries and workers on site
  • Supervisor: Allen Russell

Loan Registration Specialist

Guaranty Home Mortgage Company
02.2021 - 12.2021
  • Exercise excellent customer service
  • Operate information systems to complete loan applications
  • Inspect each loan to ensure TRID & Government regulation compliance
  • Supervisor: Melissa Antonio

Delivery Loader

CCBCC
03.2018 - 03.2020
  • Operate forklift to load the proper product into the correct delivery vehicles
  • Communicate with warehouse and branch managers to increase efficiency
  • Utilize computer system to ensure inventory properly cataloged each day
  • Supervisor: Shan Williams

Education

Bachelor of Science - Business Management

Middle Tennessee State University
01-2020

Skills

  • Excellent people and communication skills
  • Proficiency in Microsoft office applications
  • Ability to work efficiently in stressful situations
  • Ability to stay focused on all tasks in order to multitask between different objectives
  • Immaculate attention to detail
  • Fraud Prevention
  • New Hire Training

Timeline

Restructure Analyst - Credit

Caterpillar Financial
02.2024 - Current

Accounts Specialist

Caterpillar Financial
06.2022 - 02.2024

Account Coordinator

Nolan Transportation Group
01.2022 - 06.2022

Loan Registration Specialist

Guaranty Home Mortgage Company
02.2021 - 12.2021

Site Contractor

ALR Enterprise
03.2018 - 06.2022

Delivery Loader

CCBCC
03.2018 - 03.2020

Bachelor of Science - Business Management

Middle Tennessee State University

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