Carlos Perez
Underwriting Credit Analyst
El Paso,TX
Summary
Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a financial company. Accomplished Credit Analyst promoting more than 6 years developing skills in member service, account oversight, and collections. Hardworking and passionate with strong organizational skills eager to help team achieve company goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
13
13
years of professional experience
1
1
Language
Work History
Underwriting Credit Analyst
GECU
08.2017 - Current
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Assisted in maintaining a diversified portfolio through thoughtful selection of new members based on rigorous credit analysis standards.
- Enhanced member relationships through effective communication of complex financial information, contributing to loyalty and retention.
- Balanced growth objectives with prudent risk-taking, effectively managing the credit unions exposure to potential losses from lending activities.
- Assessed credit risk and analyzed financial statements.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Complied with internal controls and government regulations.
Rescue Diver
House Of Scuba
05.2014 - 03.2016
- Developed strong organizational and communication skills through coursework and volunteer activities.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Managed time efficiently in order to complete all tasks within deadlines.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Self-motivated, with a strong sense of personal responsibility.
Banker
Wells Fargo
06.2011 - 01.2013
- Proactively identified potential fraud or suspicious activity, taking appropriate action to protect client accounts and bank assets.
- Leveraged advanced analytical tools to assess portfolio performance, making informed recommendations for adjustments as needed.
- Optimized resource allocation, strategically assigning tasks based on individual strengths and workload capacity for maximum efficiency.
- Conducted detailed market research to identify new opportunities for growth within the banking sector.
- Maintained strict compliance with all banking regulations, ensuring a secure and trustworthy environment for clients.
- Collaborated with team members to consistently meet or exceed branch sales targets and objectives.
Education
No Degree - Biology
University of El Paso Texas
2401 N Orgeon St 05.2001 -
High School Diploma -
J M Hanks High School
05.2001 -
Skills
- Proficient in [Software]
- Underwriting
- Teamwork and Collaboration
- Team building
- Time Management
- Decision-Making
- Multitasking
- Credit risk
- Credit decisions
- Credit analysis
- Loan Documentation
- Goal-Oriented
- Reliability
- Relationship Building
Timeline
Underwriting Credit Analyst
GECU
08.2017 - Current
Rescue Diver
House Of Scuba
05.2014 - 03.2016
Banker
Wells Fargo
06.2011 - 01.2013
No Degree - Biology
University of El Paso Texas
05.2001 -
High School Diploma -
J M Hanks High School
05.2001 -
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