CAROLYN TURNER
Little Rock,AR
Summary
Very versatile in sales, management, and collections and trained on multiple programs Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than Number years of resolving credit disputes and making recommendations on bad debt accounts. Accomplished Credit Analyst promoting more than Number years developing skills in customer service, account oversight, and collections. Experienced leader with strong background in guiding teams, managing complex projects, and achieving strategic objectives. Excels in developing efficient processes, ensuring high standards, and aligning efforts with organizational goals. Known for collaborative approach and commitment to excellence. Detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives. Equipped with strong problem-solving abilities, willingness to learn, and excellent communication skills. Poised to contribute to team success and achieve positive results. Ready to tackle new challenges and advance organizational objectives with dedication and enthusiasm. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level Job Title position. Ready to help team achieve company goals.
Overview
21
21
years of professional experience
Work History
Credit Analyst
Ryerson Steel
Little Rock, AR
02.2020 - Current
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Enhanced customer relationships through effective communication of complex financial information, contributing to loyalty and retention.
- Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Identified potential problem loans early on through ongoing monitoring activities, enabling prompt remedial actions when needed.
- Supported the sales team in negotiating favorable terms, balancing business growth and credit risks effectively.
- Reduced delinquency rates with proactive monitoring of clients'' credit performance and timely communication.
- Made decisions and recommendations about extending lines of credit.
- Streamlined the loan approval process for faster results by implementing an efficient credit scoring system.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Negotiated payment plans and loan terms with delinquent customers.
Senior Customer Solutions Representative
Ally
Little Rock, AR, USA
07.2013 - 02.2020
- Help customers create solutions how to resolve their past due accounts
- Communicate effectively with outside repossession companies
- Efficiently addressed customer issues to ensure quick and successful resolution
- Use team strategies to gain success
- Enhanced customer satisfaction by efficiently addressing and resolving inquiries in a timely manner.
- Managed escalated cases with care and efficiency, working closely with other departments when necessary for issue resolution.
- Showcased strong problem-solving abilities by identifying areas for improvement within the department and offering actionable solutions.
- Handled high-volume calls while maintaining professionalism and courtesy, contributing to a positive work environment.
- Streamlined communication channels for customers by implementing new CRM tools, improving response time and overall service quality.
- Strengthened relationships with key clients by providing personalized attention, leading to increased loyalty and repeat business.
- Improved team morale by actively participating in team-building activities and offering constructive feedback during meetings.
- Reduced customer complaints through proactive identification of potential issues and prompt resolution of concerns.
- Consistently exceeded performance metrics by prioritizing tasks effectively and focusing on delivering outstanding service.
- Collaborated with team members to optimize workflow processes, increasing productivity and enhancing customer experience.
- Escalated customer issues to management for appropriate action to be taken.
General Manager
America’s Car-Mart
Bentonville, AR, USA
03.2004 - 02.2012
- Training and mentoring sales staff on sales and telephone skills
- Led in appraising, reconditioning and closing sales
- Addressed problems in proactive and knowledgeable manner to maintain and enhance client satisfaction
- Trained and mentored Collections team on how to collect face to face with the customer
- Managed budget implementations, employee reviews, training, schedules, and contract negotiations.
- Managed a diverse team of professionals, fostering a positive work environment and high employee satisfaction.
- Cultivated strong relationships with clients, vendors, and partners to ensure long-term success and loyalty.
- Monitored financial performance, set budgets and controlled expenses to provide financial stability and long-term organizational growth.
- Managed budget development, forecasting, and financial reporting processes to track progress towards organizational objectives accurately.
- Maximized efficiency by coaching and mentoring personnel on management principles, industry practices, company procedures, and technology systems.
- Drove year-over-year business growth while leading operations, strategic vision, and long-range planning.
- Implemented operational strategies and effectively built customer and employee loyalty.
- Implemented effective cost-saving measures to reduce overhead expenses without compromising quality or service.
- Managed budget implementations, employee evaluations, and contract details.
- Developed and executed strategic plans for business growth and expansion, resulting in increased market share.
- Fostered culture of continuous improvement, introducing regular review sessions that boosted team performance and morale.
- Trained and guided team members to maintain high productivity and performance metrics.
- Assisted in recruiting, hiring and training of team members.
- Recruited, hired, and trained initial personnel, working to establish key internal functions and outline scope of positions for new organization.
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
- Monitored daily cash discrepancies, inventory shrinkage and drive-off.
- Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.
- Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.
- Managed purchasing, sales, marketing and customer account operations efficiently.
- Reported issues to higher management with great detail.
Education
High School Diploma -
Fort Smith Adult Education
Fort Smith, ARSkills
- Excel
- Customer Service
- Phone Etiquette
- Microsoft Word
- Teamwork
- Lexis Nexis
- Skip tools
- Risk Assessment
- Credit analysis
- Financial statement analysis
- Credit risk
- Credit decisions
- Verbal and written communication
- Credit Reporting
- Financial statements expertise
- Relationship Management
- Oral and written communications
- Microsoft Excel proficiency
- Proficient in Software
- Loan Documentation
- Information Verification
- Financial statement review
- Goal-Oriented
- Loan Evaluation
- Data Compilation
- Cash Flow analysis
- Credit Scoring
- Lending regulations
- Underwriting
- High risk account reviews
- Term negotiation
- Relationship Building
- Collections Management
- Active Listening
- Excellent Communication
- Teamwork and Collaboration
- Problem-Solving
- Time Management
- Attention to Detail
- Problem-solving abilities
- Multitasking
- Multitasking Abilities
- Reliability
- Organizational Skills
- Team Collaboration
- Effective Communication
- Adaptability and Flexibility
- Decision-Making
- Goal Setting
- Professionalism
References
References are available upon request
Timeline
Credit Analyst
Ryerson Steel
02.2020 - Current
Senior Customer Solutions Representative
Ally
07.2013 - 02.2020
General Manager
America’s Car-Mart
03.2004 - 02.2012
High School Diploma -
Fort Smith Adult Education