Carlos Rivera
Winter Haven,FL
Summary
Senior Credit professional with over 15 years of extensive financial analysis, credit management, and process improvement background. I am proficient in PowerBI, QuickBooks, and SQL, with a proven track record of optimizing credit analysis processes and enhancing loan approval turnaround times. Skilled in leading teams and managing portfolios, committed to driving business growth while mitigating risks.
Overview
15
15
years of professional experience
Work History
SR. CREDIT ANALYST
SellersFi
08.2020 - 07.2025
- Review and analyze loan application documents for completeness, creditworthiness and compliance.
- Prepare detailed credit memorandums that include financial analysis, repayment ability calculation, industry research, collateral analysis and guarantor reviews, for customers with approvals greater than $250,000.00.
- Conduct underwriting calls with borrowers to understand the business, business needs and to discuss any due diligence questions we may have.
- Provide high-level summary to the Credit Committee of findings, along with a recommendation of approval amount or rejection reasons.
- Continuously evaluating the portfolio for customers who have delayed, stopped or have rejected payments and determining if negotiation of repayment terms is needed. Streamlined credit analysis processes, enhancing turnaround times for loan approvals and improving overall client satisfaction.
- Manage the day-to-day operations of the Credit team, guaranteeing that the daily initiatives are communicated to the team and are handled as a priority.
- Daily monitoring of the 5 pipelines and ensuring that the Credit team is efficiently working on deals considered “low hanging fruit.”
- Collaborate cross-functionally internally with departments (Data Science & Ops) to enhance our automation, pre-rejection criteria, along with ensuring that Ops is accurately including Guarantors on the agreements before I receive the agreements for signature, up to my authorized signing limit of $1MM.
- Lead and managed the collections team to meet and exceed collections and aging targets.
- Identified and escalated high-risk accounts and made recommendations to restructure or proceed with legal collections or write-offs.
- Analyze trends in aging, DSO and bad debt reserves. Presented AR findings weekly to the Credit Committee and Sales team.
CREDIT MANAGER
Prosperity Funding
09.2017 - 07.2020
- Assess the credit quality of our business clients, prospects and other counterparties.
- Gather and analyzed financial documents to underwrite new business.
- Lead operational client setup and new account deal flow.
- Conduct ongoing risk reviews and portfolio monitoring.
- Responsible for the day-to-day activities of funding package reviews, preparing NACHA files and sending out wires.
- Held weekly team discussions regarding challenges expected with the portfolio.
- Contributed to the ongoing learning and success of the team and the company, by sharing knowledge through mentorship and collaboration.
- Managed a team of 12 Relationship Managers and a portfolio of $75MM.
COLLECTIONS
LifeSafety Management
12.2016 - 09.2017
- Call on all past due accounts.
- Mark all accounts over 60 days past due as non-serviceable.
- Invoice creation.
- Maintain contracted services spreadsheet for any add-on or cancellations.
- Processed all new sales contracts and services into database.
- Key backup for AP, entering vendor invoices and matching up to delivery slips.
RELATIONSHIP MANAGER
Paragon Financial Group
10.2013 - 07.2016
- Managed a portfolio of 24 clients with balances as high as $1.6M.
- Processed all shortfall or minimum volume fees.
- Audited concentrated account and analyzed trends to mitigate risk.
- Reviewed Dunns & Bradstreet reports for all new debtors or current debtors during account maintenance.
CREDIT CONTROLLER
Bibby Financial Services
12.2010 - 10.2013
- Responsible for the collections of delinquent accounts for clients in America and South America.
- Requested credit decreases or cutoffs on all accounts that data proved to be suspicious or past due.
- Researched short and overpayments.
- Analyzed accounts to discover discrepancies and resolve all variances promptly.
- Assisted with underwriting any new deals or deals that needed to be reworked with additional conditions.
Education
Diploma -
Santaluces High School
01.2001
Skills
- Financial Analysis (Experienced)
- Credit Analysis (Experienced)
- Risk Management (Experienced)
- Process Improvement (Experienced)
- Team Leadership (Experienced)
- SQL (Experienced)
- Python (Beginner)
- Excel (Experienced)
- PowerBI (Experienced)
- Experian (Experienced)
- QuickBooks (Experienced)
- Collections (Experienced)
- Portfolio Management (Experienced)
- Underwriting (Experienced)
LANGUAGES
English (Native)
Spanish (Native)
LINKS
LinkedIn: https://www.linkedin.com/in/carlos-rivera-28116031a/
Timeline
SR. CREDIT ANALYST
SellersFi
08.2020 - 07.2025
CREDIT MANAGER
Prosperity Funding
09.2017 - 07.2020
COLLECTIONS
LifeSafety Management
12.2016 - 09.2017
RELATIONSHIP MANAGER
Paragon Financial Group
10.2013 - 07.2016
CREDIT CONTROLLER
Bibby Financial Services
12.2010 - 10.2013
Diploma -
Santaluces High School