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
9
9
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.
Lead Ramp Agent
Piedmont Airlines
Romulus, MI
06.2023 - Current
- Supervised ramp operations, ensuring safety and efficiency during aircraft arrivals and departures.
- Coordinated team activities to streamline baggage handling and minimize delays.
- Trained new ramp agents on safety protocols and operational procedures.
- Implemented process improvements, enhancing turnaround times for aircraft servicing.
- Monitored equipment performance, identifying maintenance needs to prevent disruptions.
- Conducted regular safety audits, promoting compliance with industry regulations.
- Collaborated with ground control to optimize flight schedules and resource allocation.
- Mentored junior staff, fostering skill development and team cohesion on the ramp.
- Managed aircraft pushback operations, ensuring safe execution while maintaining schedule integrity.
- Minimized operational errors with thorough pre-flight inspections of aircraft exterior and ground support equipment.
- Increased on-time performance through proactive identification and resolution of potential issues prior to departure.
- Boosted team morale by fostering a positive work environment and providing clear communication channels.
- Enhanced ramp safety by consistently enforcing proper procedures and guidelines.
- Liaised with other departments such as customs agents or security officials when necessary to maintain proper documentation requirements.
Underwriter
United Wholesale Mortgage
Pontiac, MI
08.2024 - 09.2025
- 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.
Customer Service Representative
Walgreens
Canton, MI
06.2019 - 03.2022
- Responded to customer requests for products, services, and company information.
- Reduced process inconsistencies and effectively trained team members on best practices and protocols.
- Identified and resolved discrepancies and errors in customer accounts.
- Enhanced customer satisfaction by promptly addressing concerns and providing accurate information.
Customer Service Representative
R1 Rcm
Southfield, MI
09.2017 - 12.2019
- Resolved customer inquiries through effective communication and problem-solving techniques.
- Managed high-volume calls, ensuring timely and accurate responses to customer needs.
- Trained new staff on company policies, procedures, and customer service best practices.
- Developed and maintained positive relationships with customers to enhance satisfaction and loyalty.
- Implemented process improvements that streamlined workflow and increased efficiency in service delivery.
- Monitored customer feedback to identify areas for service enhancement and recommend solutions.
- Collaborated with cross-functional teams to address complex issues affecting customer experience.
- Led initiatives aimed at improving team performance and achieving service excellence standards.
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
- Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
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
- Relationship management
- Credit policy development
- Collateral valuation
- Portfolio management
- Credit decision making
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
08.2024 - 09.2025
Lead Ramp Agent
Piedmont Airlines
06.2023 - Current
Customer Service Representative
Walgreens
06.2019 - 03.2022
Customer Service Representative
R1 Rcm
09.2017 - 12.2019
Bachelor of Arts - Broadcast Journalism
Wayne State University
2013 - 2016
Associate Degree - Liberal Arts And Sciences
Oakland Community College
2009.08 - 2012.05