Carmen Drinkwater
Apopka,FL
Summary
Dynamic and results-oriented business leader committed to advancing within a reputable organization through dedication and hard work. MBA graduate from Florida Atlantic University with over 10 years of analytics experience in the Credit Services sector. Consistently surpasses both professional and personal objectives while leveraging exceptional written and verbal communication skills to foster collaboration and drive success. Passionate about utilizing data-driven insights to inform strategic decision-making and enhance organizational performance.
Overview
21
21
years of professional experience
Work History
Agricultural Credit Analyst 4
US Bank
07.2022 - Current
- Responsible for conducting agricultural credit analyses including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and portfolios. The data collected may include credit reports, industry research, and tax returns.
- Prepare credit reports for making Ag lending decisions on new renewal and extension loans
- Monitors customer accounts and/or loan portfolios to identify potential issues and thereby maximize credit quality and minimize the company’s credit risk and potential loss
- Reviews customer accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues to maximize credit quality and minimize risk and potential loss to the company
- Use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio; will use such tools to compare and evaluate possible courses of action and will make recommendations and/or decisions after various possibilities are considered
- Supervisor: Ashley Kelly / Andy Wright
Credit Analyst 4
US Bank
Littleton, CO
08.2018 - 07.2022
- Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit
- Conducted a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers
- Reviewed customer accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues to maximize credit quality and minimize risk and potential loss to the company
- Used technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio; will use such tools to compare and evaluate possible courses of action and will make recommendations and/or decisions after various possibilities are considered
- Supervisor: Miranda Peary
BCS Credit Analyst 3
Bank of the West
Greenwood Village, CO
02.2017 - 08.2018
- Spread and analyzed business and personal financial statements
- Maintained ticklers for financial covenants and monitors compliance with documented requirements; escalates any covenant violations to appropriate area
- Processed new requests to verify completion and readiness for underwriting; other functions include pulling credit, follow-up on various information items and entering borrowing information in applicable systems/data repository
- Completed various forms required by Credit Administration and the FDIC (i.e., Stress Tests, REIF forms and Borrowing Bases)
- Maintained working knowledge of Bank’s lending policies and procedures pursuant to credit analysis
- Ensureed that internal customer receives prompt, courteous, accurate responses and resolves problems to complaints in a timely manner
- Met service level agreements by completing analysis timely and accurate
- Trained new credit analysts as needed
- Completed extensive projection analysis when requested
- Supervisor: Kristin Kahra
Senior Credit Analyst
GM Financial
Greenwood Village, CO
12.2016 - 02.2017
- Analyzed credit data to determine the degree of risk involved in extending credit
- Made decisions to approve or deny the extension of credit within set credit authority established by senior management and state/federal laws
- Developed sufficient dealer relationships that ensured volume objectives and credit quality
- Captured automotive finance contracts that met GM Financial profitability criteria for pricing and performance
- Ensured compliance with applicable policies and procedures
- Ensured branch office cooperation with other departments to maximize efficiency within the company
- Conducted joint dealer calls with Dealer Relationship Manager (DRM) on an as needed basis
- Established and tracked monthly goals for assigned dealers; ensured proper documentation was received on all deals
- Provided training or assistance to lower-level Credit Analyst
- Supervisor: Erika Pepper
Credit Analyst
Wells Fargo Bank
Denver, CO
01.2015 - 12.2016
- Analyzed balance sheets, income and cash flow statements utilizing Moody’s Risk Analysis Software
- Analyzed financial statements for companies and corporations and calculated ratios to ensure compliance with current loan agreement
- Completed financial spreads and analysis using middle market and large company financial statements
- Monitored and maintained ticklers for monthly assessment to comply with financial covenants
- Identified risks and communicate those findings to ensure standards were met; compiled and analyzed loan data
- Supervisor: Colleen Mahoney
Pricing Analyst
Breakthru Beverage Company
Ft. Lauderdale, FL
01.2014 - 12.2014
- Analyzed company’s financial statements emphasizing its pricing structure to ultimately improve the company’s gross profit and overall profitability
- Communicated with all levels of management to change and set pricing due to monthly increases and decreases
- Interacted with sales force to gather information concerning trends in territories to make evaluations and recommendations to management
- Developed a database system to house a new pricing demographic that would require a separate segment of individual programs
- Maintained pricing schedules, checking for errors, reducing overrides, and auditing overall information for accuracy
- Supervisor: John Vasser
State Pricing & Programming Administrator
Breakthru Beverage Company
Miramar, FL
05.2010 - 12.2013
- Generated all pricing programs and deals in the enterprise application software – SAP
- Developed a monthly GP analysis detailing inventory and performance
- Communicated with suppliers monthly providing them with reports reflecting all deals and programming in place
- Served as a liaison to handle concerns with pricing, for sales representatives, sales managers and suppliers
- Filed documents to store for easy retrieval
- Supervisor: Andrea Austin
Accounts Receivable Specialist
Breakthru Beverage Company
Miramar, FL
11.2007 - 05.2010
- Posted daily incoming payment checks to the company’s SAP system
- Received incoming payments and handled cash from customer requests, in person
- Created reports for assigned sales representatives detailing outstanding and short-paid invoices
- Answered inbound calls from customers who needed billing information and due dates
- Supervisor: Sherry Huston
Operations Supervisor
JP Morgan Chase
Aventura, FL
10.2005 - 07.2007
- Supervised seven tellers within the financial center, overriding transaction limits and facilitating daily operations
- Loaded and sold cash tickets for the teller cash dispensers
- Created and printed reports detailing transactions at end of day
- Prepared for quarterly inventories, checking, and correcting all accounting for sales of traveler’s checks and money orders
- Handled customer concerns that required escalating
- Supervisor: Denise Levine
Education
Master’s in business administration -
Florida Atlantic University
Boca Raton, FL12-2016
Bachelor of Arts - Business Management and Accounting
Florida Atlantic University
Boca Raton, FL08-2012
Skills
- Self-motivated, hardworking, dependable, and efficient to all past and current employers;
- Strong background in pricing and credit analysis;
- Natural leader and team player
- Strong work ethic with a positive approach
- Continuously striving to achieve goals and exceed expectations;
- Organized, detail oriented and focused
Accomplishments
- Completed ACCESS program in 2021 - chosen amongst 53 women carefully selected in bank footprint
- Mentored two individuals in the bank interested in transitioning to credit underwriting
Languages
Spanish
Native or Bilingual
Timeline
Agricultural Credit Analyst 4
US Bank
07.2022 - Current
Credit Analyst 4
US Bank
08.2018 - 07.2022
BCS Credit Analyst 3
Bank of the West
02.2017 - 08.2018
Senior Credit Analyst
GM Financial
12.2016 - 02.2017
Credit Analyst
Wells Fargo Bank
01.2015 - 12.2016
Pricing Analyst
Breakthru Beverage Company
01.2014 - 12.2014
State Pricing & Programming Administrator
Breakthru Beverage Company
05.2010 - 12.2013
Accounts Receivable Specialist
Breakthru Beverage Company
11.2007 - 05.2010
Operations Supervisor
JP Morgan Chase
10.2005 - 07.2007
Bachelor of Arts - Business Management and Accounting
Florida Atlantic University
Master’s in business administration -
Florida Atlantic University