Carlos Perez
El Paso
Summary
Credit Analyst skilled in balancing growth and risk management while ensuring compliance with regulatory standards. Successfully enhanced member loyalty through clear communication of financial information and made informed credit decisions that diversified portfolios. Focused on delivering measurable results that contribute to organizational success.
Overview
15
15
years of professional experience
Work History
Underwriting Credit Analyst
GECU
08.2017 - Current
- Documented all credit decisions to ensure compliance with internal policies and regulatory requirements.
- Assessed credit risk and analyzed financial statements.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Assisted in maintaining a diversified portfolio through thoughtful selection of new members based on rigorous credit analysis standards.
- Managed credit union's exposure to potential losses from lending activities while balancing growth objectives with prudent risk-taking.
- Enhanced member relationships through effective communication of complex financial information, contributing to loyalty and retention.
- Implemented internal control procedures for compliance with government regulations.
Rescue Diver
Rescue Diver
05.2014 - 03.2016
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Efficiently managed time to ensure timely completion of tasks and meet all deadlines.
- Cultivated organizational and communication skills through coursework and volunteer activities to enhance team collaboration.
- Exhibited respect and friendliness while actively assisting teammates and clients in various situations.
- Demonstrated self-motivation by completing tasks independently and efficiently.
Underwriter
Wells Fargo
El Paso
06.2011 - 01.2013
- Identified potential fraud or suspicious activity, taking action to protect client accounts and bank assets.
- Leveraged advanced analytical tools to assess portfolio performance and make informed recommendations for adjustments.
- Optimized resource allocation by assigning tasks based on individual strengths and workload capacity.
- 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 meet or exceed branch sales targets consistently.
Education
High School Diploma -
J M Hanks High School
El Paso 05-2004
Some College (No Degree) - Biology
University of El Paso Texas
2401 N Orgeon St Skills
- Loan underwriting
- Credit risk assessment
- Financial analysis
- Regulatory compliance
- Fraud detection
- Customer relationship management
- Problem solving
- Time management
- Team collaboration
- Goal oriented
- Verbal and written communication
- Active listening
Languages
3,Professional Working,Spanish
Personal Information
Title: Underwriting Credit Analyst
Timeline
Underwriting Credit Analyst
GECU
08.2017 - Current
Rescue Diver
Rescue Diver
05.2014 - 03.2016
Underwriter
Wells Fargo
06.2011 - 01.2013
High School Diploma -
J M Hanks High School
Some College (No Degree) - Biology
University of El Paso Texas