Dulcelene Williams
Overland Park,KS
Summary
Bilingual team-oriented individual , highly skilled in credit policies and corporate regulations, bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Desiring a position in the fields of human relations and/or organizational and strategic planning, futures market and international relations that leverages my skills and expertise to drive meaningful impact and value for the organization.
Overview
16
16
years of professional experience
Work History
Senior Credit Risk Analyst
StoneX Group
06.2016 - Current
- Mentored junior analysts, fostering a culture of continuous learning and professional development within the team.
- Developed comprehensive credit risk reports to provide insights into key customers performance indicators and trends.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine customers' creditworthiness.
- Analyzed creditworthiness of new customers and determined credit risk of new accounts.
- Regularly reviewed existing credit models for accuracy, reliability, and relevance in changing market conditions.
- Maintained compliance with applicable regulations and laws governing consumer credit.
- Performed credit reviews on corporations to assess financial conditions.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Made decisions and recommendations about extending lines of credit.
- Participated actively in periodic reviews of account exposures against established limits, ensuring prompt corrective actions where necessary.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
Broker Assistant
FCStone Group
04.2009 - 06.2016
- Review daily margin call sheet and contact customers who are on call to request they send funds to cover margin call
- Communicate request from customers regarding cash/futures exchange, including customer account, commodity, volume, exchange price and appropriate counter-party account information to FCStone personnel in Chicago and verify the accuracy of the trade
- Provide back up to Trading Assistants and Risk Management Consultants on phones
- Enter and retrieve orders on the floor and electronically
- Process orders filled overnight
- Check trades at end of day
- Process Exchange for Physicals (EFP), Exchange of Futures for Swaps (EFS) and Exchange for Risk (EFR) requests
- Check futures tickets daily
- Reconcile daily check out
- Monitor open orders
- Communicate corrections to appropriate personnel
- Manage futures requests to move trades and Purchase & Sales Statement trades.
- Streamlined communication between brokers and clients, maintaining organized records of correspondence for easy reference.
- Collaborated with various departments within the brokerage firm to ensure seamless service delivery for clients.
- Developed strong relationships with clients through regular follow-ups and status updates on their investments.
- Managed documentation related to trade executions and settlements, facilitating smooth transaction processes for clients.
Administrative Assistant
George's Imports (SAAB dealership)
11.2007 - 03.2009
- Help customers
- Answer and transfer phone calls to the right department
- Receive payments
- Enter computer data
- File documents
Education
Master of Arts - International Business
Universidad Internacional Isabel De Castilla
Spain03.2022
Specialist in Foreign Languages Teaching and Learning Process (post-graduation course) -
Universidade Federal de Alagoas - Federal University of Alagoas - Brazil
01.2002
B. S. in Economics -
Universidade Federal de Alagoas - Federal University of Alagoas - Brazil
02.1998
Business English -
Evendine College - London, UK
11.1996
Skills
- Professional knowledge of Microsoft Office
- Report Preparation
- Goal-Oriented
- Market Trend Analysis
- Financial statements expertise
- Credit analysis
- Risk Assessment
- Credit Scoring
- Report Analysis
- Knowledge of electronic trading platforms (QST, CQG and others)
- Financial statement analysis
- High risk account reviews
- Credit decisions
Languages
Portuguese
Native or Bilingual
Spanish
Professional Working
English
Native or Bilingual
Timeline
Senior Credit Risk Analyst
StoneX Group
06.2016 - Current
Broker Assistant
FCStone Group
04.2009 - 06.2016
Administrative Assistant
George's Imports (SAAB dealership)
11.2007 - 03.2009
Master of Arts - International Business
Universidad Internacional Isabel De Castilla
Specialist in Foreign Languages Teaching and Learning Process (post-graduation course) -
Universidade Federal de Alagoas - Federal University of Alagoas - Brazil
B. S. in Economics -
Universidade Federal de Alagoas - Federal University of Alagoas - Brazil
Business English -
Evendine College - London, UK
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