Debbie DeFilippo-Laurer
Southington,CT
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
11
11
years of professional experience
1
1
Certification
Work History
Credit Analyst
WhiteCap Construction Supplies
09.2012 - Current
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Made decisions and recommendations about extending lines of credit.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Assessed credit risk and analyzed financial statements.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Participated in loan committee meetings to provide input on lending processes.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Negotiated payment plans and loan terms with delinquent customers.
- Maintained compliance with applicable regulations and laws governing consumer credit.
- Investigated and resolved customer disputes related to credit decisions.
- Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
- Performed credit reviews on corporations to assess financial conditions.
- Improved understanding of financial statements, which helped in assessing risk.
- Developed credit models to assist in the credit decision process.
Education
Associate of Arts - Business And Accounting
Sacred Heart University
Fairfield, CT05.2025
Skills
- Financial Statements Expertise
- Appraisal Verification
- Correspondence Writing
- Preparing Proposals
Certification
I am a Connecticut Notary
Timeline
Credit Analyst
WhiteCap Construction Supplies
09.2012 - Current
Associate of Arts - Business And Accounting
Sacred Heart University
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