Charmayne Hill
Redford,MI
Summary
Highly trained Credit Analyst offering excellent skills in managing issues, updating files, and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought.
Overview
13
13
years of professional experience
Work History
Retail Credit Analyst
TD Bank
07.2020 - Current
- Managed high-volume workload, meeting all deadlines and maintaining quality standards for conducted analyses, Provide support to clients and the Funding department in resolving contract problems and funding issues.
- Developed strong relationships with retail partners, ensuring smooth communication and increased business opportunities.
- Acted as a liaison, streamlining communication between sales teams and underwriting department to ensure efficient loan application processing for retail clients.
- Reviewed credit reports for comprehensive analysis of borrowers' credit history and identification of potential red flags.
- Decided on extending lines of credit and provided recommendations.
- Expanded industry knowledge by participating in credit-related training sessions and conferences.
- Played a key role in increasing TTCs with the support of programs like Cvm, Ace, Innovis/Accurint.
Auditor
Concentrix - Madza
08.2019 - 07.2020
- Provided detailed documentation on audit findings, facilitating swift corrective action when necessary.
- Handled sensitive information with utmost discretion, maintaining strict confidentiality throughout the entire audit process.
- Developed strong rapport with clients, fostering trust and maximizing satisfaction levels throughout audits.
- Performed observations and analyzed supplementary documentation to bolster audit results.
Auditor
Ford RAV- State Lemon Law
12.2016 - 08.2019
- Conducted audits on financial analyst's claims to verify correct award disbursement according to Office of General Counsel, State Lemon Law / State Awards, and Ford policies.
- Provided training to a financial analyst on worksheet utilization and payment processing.
- Successfully completed audit claims by documenting test results and findings.
- Ensured discretion in handling sensitive data at all stages of audits, showcasing commitment to maintaining confidentiality.
- Coordinated and carried out timely follow-up audits according to mandated schedules.
- Successfully implemented strategies to coordinate, manage, and execute auditing initiatives in order to prepare thoroughly for evaluation.
Financial Analyst
Concentrix
06.2015 - 01.2017
- Managed and organized all documentation received from internal department regarding state lemon law claims
- Trained internal case handlers on recommended claim resolutions
- Crafted customized worksheets for all case handlers, resulting in improved claim resolutions.
- Conducted detailed financial analysis to identify and evaluate changes in operations, trends and potential areas of improvement.
- Streamlined month-end close processes through efficient account reconciliation and prompt discrepancy resolution.
- Developed comprehensive financial projections and analyses to assist in achieving successful negotiation outcomes.
- Formulated and executed financial strategies designed to minimize risk and maximize portfolio performance.
Dispute Resolution Analyst
Vehicle Systems/ Ford Motor Company
12.2013 - 06.2015
- Served as the primary point of contact for customers, dealers, and financial institutions in order to gather necessary information and documents for processing claims on a daily basis
- Interacted with customers to explain Ford Reacquired Vehicles Program policies and procedures.
- Managed a high volume of 60-70 vehicle buy back claims per week, maintaining detailed documentation and reporting through the Re-Acquired Vehicle Systems/ Ford Motor Company 360 system navigation.
- Recognized and worked with various departments to enhance processes, resulting in improved efficiency.
- Improved internal knowledge sharing by developing comprehensive documentation outlining standard operating procedures for various tasks.
- Supported creation of detailed, technical financial models to value potential acquisition targets.
- Provided valuable input in improving business systems and procedures to effectively respond to changing requirements.
Business Analyst
HELM
01.2012 - 12.2013
- Handled customer concerns and issues in a proactive manner.
- Produced top-notch documentation to facilitate effective training, ensuring thorough understanding of new systems and procedures by employees.
- Enhanced overall operational performance by optimizing business processes through comprehensive analysis and strategic recommendations.
- Interacted with internal customers to identify business needs and convert them into project requirements and scope.
- Defined clear requirements for software development projects and successfully communicated them to technical teams.
Education
Bachelors in Computer Information Systems -
South University Online
06.2019
Skills
- Microsoft Excel proficiency
- Loan Underwriting
- Portfolio Management
- Data Interpretation
- Credit decisions
- Credit risk
- Goal-Oriented
- Credit Reporting
- Verbal and written communication
- Oral and written communications
- Loan Documentation
- Relationship Management
- Financial statement analysis
- Information Verification
- Underwriting
- Teamwork and Collaboration
- Problem-Solving
- Multitasking Abilities
- Excellent Communication
- Organizational Skills
Timeline
Retail Credit Analyst
TD Bank
07.2020 - Current
Auditor
Concentrix - Madza
08.2019 - 07.2020
Auditor
Ford RAV- State Lemon Law
12.2016 - 08.2019
Financial Analyst
Concentrix
06.2015 - 01.2017
Dispute Resolution Analyst
Vehicle Systems/ Ford Motor Company
12.2013 - 06.2015
Business Analyst
HELM
01.2012 - 12.2013
Bachelors in Computer Information Systems -
South University Online
Similar Profiles
Samiul ShaownSamiul Shaown
Product Operations Lead at TD Insurance, TD BANK GROUPProduct Operations Lead at TD Insurance, TD BANK GROUP
Abhilash NyatiAbhilash Nyati
Personal Banker at TD Bank Group - TD Canada TrustPersonal Banker at TD Bank Group - TD Canada Trust
Ashley WidermanAshley Widerman
Team Manager II at TD Auto Finance, TD Bank NATeam Manager II at TD Auto Finance, TD Bank NA
Vedansh VyasVedansh Vyas
Personal Banking Associate at TD Canada Trust (TD Bank)Personal Banking Associate at TD Canada Trust (TD Bank)
Kelli FreemanKelli Freeman
Registered Nurse, Emergency Department at Corewell HealthRegistered Nurse, Emergency Department at Corewell Health