Cierra Anthony
commercial credit analyst
Detroit,MI
Summary
Dynamic and motivated communication professional, bringing 8+ years of experience translating business needs into strategic solutions. Proven success in leading cross-functional teams, building strong stakeholder relationships, and delivering high-impact products that align with business goals. Skilled in managing product backlogs, prioritizing features based on data-driven insights, and driving iterative development in Agile environments. Adept at optimizing user experience and ensuring continuous product improvement through collaboration and clear product vision.
Overview
12
12
years of professional experience
6
6
years of post-secondary education
Work History
Commercial Credit Analyst
Comerica Bank
Farmington, MI
12.2025 - Current
- Analyzed credit data to assess risk associated with loan applications.
- Evaluated financial statements and credit reports for accuracy and compliance.
- Collaborated with cross-functional teams to develop tailored financial solutions.
- Provided insights on credit trends to guide strategic decision-making processes.
- Monitored client accounts for changes in risk profiles and recommended adjustments.
- Developed comprehensive reports summarizing credit analysis results for management review.
- Streamlined credit evaluation processes, enhancing efficiency and reducing turnaround times.
- Promoted a culture of excellence in underwriting decisions by maintaining strict adherence to established guidelines while remaining flexible when warranted for client retention or acquisition purposes.
- Boosted efficiency in underwriting activities by developing comprehensive credit risk models and monitoring tools.
- Enhanced customer relationships through effective communication, timely responses, and providing tailored financial solutions.
- Supported business growth by proactively identifying new lending opportunities within the commercial market segment.
- Strengthened the credit evaluation process by incorporating industry trends and macroeconomic factors into analyses.
- Managed a diverse portfolio of commercial loans, consistently meeting or exceeding performance targets.
- Increased profitability by optimizing pricing structures based on borrower risk profiles and market conditions.
- Exceeded annual sales goals by effectively generating leads, prospecting new clients, and closing deals for commercial loans.
- Improved loan portfolio quality by conducting thorough financial statement analysis and risk assessments.
- Enhanced team productivity through continuous process improvements, training initiatives, and sharing best practices within the credit department.
- Mitigated financial risks through consistent monitoring of existing loan accounts and recommending adjustments as necessary.
- Streamlined credit approval process for faster decision-making through meticulous documentation and collaboration with senior management.
- Developed strong professional relationships with key stakeholders such as accountants, attorneys, and appraisers to facilitate smooth credit transactions.
Underwriter
United Wholesale Mortgage
Pontiac, MI
10.2017 - 12.2025
- Improved risk assessment accuracy by implementing advanced data analysis techniques.
- Analyzed applications and financial statements to assess creditworthiness and eligibility.
- Maintained strong relationships with third-party vendors involved in the application process, ensuring smooth transactions for all parties involved.
- Analyzed data to identify trends and predict future insurance needs.
- Met with customers, agents and brokers to negotiate coverage, price, and service delivery.
Project Coordinator/Systems Support Analyst
IBM
Southfield, MI
11.2015 - 09.2017
- Assessed malfunctions of computer hardware and software applications
- Performed systems assurance, installation planning, account management and problem determination
- Diagnosed, repaired, and upgraded document system modifications for data servers, POS systems, desktops, and laptops, decreasing outages by 70%
- Created test files and performed system tests on failing software
- Reduced project completion times by effectively coordinating team members and resources.
Claims Support Team Leader
The Auto Club Group
Southfield, MI
09.2014 - 10.2015
- Set up new claims within 1 day preparing required letters and data integrity in SAP systems
- Support departmental projects, following up on pending details and coordinating work with other teams
- Analyzed problems and developed recommendations for action
- Enhanced customer satisfaction by efficiently addressing and resolving support issues.
- Built strong relationships with other departments to facilitate collaboration on complex or technical client concerns.
Education
Associate Degree - Liberal Arts And Sciences
Oakland Community College
Bloomfield Hills, MI 2009.08 - 2012.05
Bachelor of Arts - Broadcast Journalism
Wayne State University
Detroit, MI 2013 - 2016
Skills
Leadership and Teamwork
- Loan structuring
- Credit scoring models
- Cash flow analysis
- Industry research
- Problem loan resolution
- Economic trend analysis
- Banking regulations
- Financial statement interpretation
- Credit risk assessment
Stakeholder Engagement
User Story Development
Requirements Gathering & Analysis
Agile & Scrum Methodologies
Business Case Development
Roadmap Planning
Product Backlog Management
Cross-Functional Team Leadership
Data-Driven Decision Making
Business Process Modeling
Use Case Analysis
Software
Microsoft SharePoint
,Microsoft Project
,JIRA
,Smartsheet
,Microsoft Excel
,Power BI
,Cherwell
,ServiceNow
,Tableau
,Confluence
Timeline
Commercial Credit Analyst
Comerica Bank
12.2025 - Current
Underwriter
United Wholesale Mortgage
10.2017 - 12.2025
Project Coordinator/Systems Support Analyst
IBM
11.2015 - 09.2017
Claims Support Team Leader
The Auto Club Group
09.2014 - 10.2015
Bachelor of Arts - Broadcast Journalism
Wayne State University
2013 - 2016
Associate Degree - Liberal Arts And Sciences
Oakland Community College
2009.08 - 2012.05