Charity Lemelle
Summary
Dynamic finance professional skilled in credit analysis and risk assessment, with a strong track record of exceeding productivity goals. Successfully structured compliant credit solutions, managed high-performance relationships, and contributed to operational efficiencies across diverse commercial environments.
Overview
5
5
years of professional experience
Work History
WEALTH BUILDER INVESTMENT COUNSELOR
Fisher Investments
05.2026 - 08.2026
- Completed onboarding and training on investment products, portfolio concepts, client service, and firm procedures to ensure readiness for client engagement.
- Studied for Series 65 Investment Adviser Representative examination to meet position requirements and enhance advisory capabilities.
UNDERWRITER
Hyundai Capital
08.2023 - 05.2026
- Consistently exceeded departmental productivity targets, averaging 14.6 tasks per hour against a department goal of 10.
- Ranked among the highest-performing underwriters across the consumer credit departments in Dallas, Irvine, and Atlanta.
- Conducted comprehensive credit bureau analysis to assess borrower risk and determine appropriate stipulations for consumer contracts.
- Reviewed customer payment histories and financial information to develop payment solutions that balanced customer retention with credit risk.
- Collaborated with dealers to structure competitive and compliant payment solutions aligned with lending programs and rates.
- Contributed to cross-functional initiatives focused on improving software systems and operational efficiency.
- Maintained strong customer service while adhering to established financial risk parameters and lending guidelines.
COMMERCIAL CREDIT ANALYST II
GM Financial
04.2021 - 04.2023
- Prepared comprehensive credit risk reports to support lending decisions.
- Analyzed credit data to determine risk associated with extending commercial credit and lending money.
- Established credit limits and authorized extensions of credit on overdue accounts.
- Managed relationships with West Region Cadillac dealerships, serving as a primary liaison and negotiating rates and contracts.
- Consistently ranked among the department's top performers, processing applications in an average of 3.5 minutes against a 10-minute target.
- Compiled and distributed daily operational reports covering application processing, call volume, work duration, credit lines, and credit exceptions.
- Applied strong communication and problem-solving skills to maintain client relationships and resolve credit-related issues.
Education
MASTER OF BUSINESS ADMINISTRATION (MBA) - FINANCE CONCENTRATION
Friends University
Wichita, KS07-2020
BACHELOR OF SCIENCE - BUSINESS ADMINISTRATION
Friends University
Wichita, KS05-2019
Skills
- Investment Strategies
- Credit Analysis
- Risk Assessment
- Financial Analysis
- Deal Structuring
- Data Management
- Reporting
- Customer Relationship
- Negotiation
- Problem Solving
- Critical Thinking
Timeline
WEALTH BUILDER INVESTMENT COUNSELOR
Fisher Investments
05.2026 - 08.2026
UNDERWRITER
Hyundai Capital
08.2023 - 05.2026
COMMERCIAL CREDIT ANALYST II
GM Financial
04.2021 - 04.2023
MASTER OF BUSINESS ADMINISTRATION (MBA) - FINANCE CONCENTRATION
Friends University
BACHELOR OF SCIENCE - BUSINESS ADMINISTRATION
Friends University