Delaina Flemming
Grayslake,IL
Summary
Analytical Credit Analyst with over four years of experience in credit decision-making and borrower risk assessment. Strengths include enhancing portfolio monitoring and due diligence procedures to support informed lending. Proven ability to improve team dynamics and facilitate onboarding of new analysts, ensuring effective loan processing and compliance with best practices.
Overview
30
30
years of professional experience
Work History
Credit
Analyst
Nashville, TN
10.2022 - 06.2026
- Reviewed financial statements to assess borrower creditworthiness and repayment ability, enabling informed lending decisions.
- Recommended loan applications based on thorough credit evaluations, enhancing approval accuracy and risk management.
- Analyzed credit applications and assessed risk factors for approval decisions.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Utilized credit scoring models to rank clients based on their credit risk.
- Prepared comprehensive credit reports that summarized findings and justified loan approval or denial decisions.
- Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
- Collaborated with other departments within the organization to ensure efficient processing of loan applications.
- Developed relationships with external partners such as creditors, appraisers, title companies, in order to facilitate smooth processing of loan applications.
- Provided training to new analysts on best practices in credit analysis techniques.
Collection Team Leader
Ford Credit
Nashville, TN
02.2012 - 10.2022
- Monitored team performance and provided regular feedback for improvement.
- Ensured adherence to company policies during collection activities.
- Ensured compliance with all applicable laws and regulations pertaining to collections practices.
- Analyzed past due accounts for potential legal action or other collection efforts.
- Held regular meetings with the team members to discuss progress on goals set by management.
- Developed work schedules according to budgets and workloads, covering priority tasks.
Credit Analyst
Ford Credit
Nashville, TN
06.2005 - 02.2012
- Analyzed credit applications and assessed risk factors for approval decisions.
- Identified areas where additional information was needed to complete a thorough analysis.
- Negotiated terms and conditions of credit facilities with clients to protect the lender's interests.
Account Services Representative
Ford Credit
Nashville, TN
06.1999 - 06.2005
- Coordinated with internal teams to ensure timely and successful delivery of solutions according to client needs.
- Resolved account issues with strengths in research, problem-solving and solution development.
- Provided detailed explanations of products, services, and account options to customers.
Customer Service Representative
Ford Credit
Nashville, TN
01.1996 - 06.1999
- Resolved customer complaints by providing effective solutions and guidance.
- Provided excellent customer service to resolve customer complaints in a timely manner.
- Assisted customers with inquiries regarding financing options and account management.
Education
Bachelor of Science - Mass Communication
Middle Tennessee State University
Murfreesboro, TN12-1993
Skills
- Credit decision making
- Collateral valuation
- High risk account reviews
- Due diligence procedures
- Portfolio monitoring
- Term negotiation
- Information verification
- Relationship management
- Verbal and written communication
- Effective communication strategies
- Team collaboration
- Decision making
Affiliations
- Assist with Arts & Crafts (Alzheimer's Unit- 2026)
- Nashville Rescue Mission (2025)
- Junior Achievement (2005-2019)
Timeline
Credit
Analyst
10.2022 - 06.2026
Collection Team Leader
Ford Credit
02.2012 - 10.2022
Credit Analyst
Ford Credit
06.2005 - 02.2012
Account Services Representative
Ford Credit
06.1999 - 06.2005
Customer Service Representative
Ford Credit
01.1996 - 06.1999
Bachelor of Science - Mass Communication
Middle Tennessee State University