Elsa Bebri
Brooklyn,NY
Overview
5
5
years of professional experience
Work History
Senior Credit Risk Analyst
Premium Merchant Funding
2022.12 - Current
- Prepared financial reports detailing portfolio performance, gains and losses, and recommended changes or adjustments.
- Performed due diligence on prospective investments by evaluating past track records and assessing risks associated with them.
- Improved operational efficiency by evaluating risk factors, such as industry trends, market conditions, and borrower financial stability to determine loan eligibility, while utilizing underwriting guidelines and established policies to make informed decisions and manage risk exposure effectively.
Credit Risk Analyst
Premium Merchant Funding
2021.05 - 2022.12
- Analyzed cash flow, profitability, liquidity and other financial ratios to determine credit worthiness of borrowers.
- Generated financial ratios to evaluate customer's financial status.
- Provided credit analysis on financial statements and assessed credit risk for clients.
Emerging Store Manager
Walgreens Pharmacy
2020.06 - 2021.05
- Monitored metrics for asset stability and effectiveness designed to increase profit margins.
- Led a team of 10 sales associates, providing guidance, motivation, and performance feedback to exceed monthly sales targets by 20%.
Inventory Specialist
Walgreens Pharmacy
2020.02 - 2020.06
- Ran sales analytics and produced forecasts to determine and fulfill inventory needs
- Managed inventory levels to optimize stock availability and minimize excess inventory, reducing carrying costs by 10%.
Shift Leader
Walgreens Pharmacy
2019.09 - 2020.02
- Supervised and led employees to maintain productivity and customer satisfaction.
- Conducted pre-shift meetings to communicate objectives, delegate tasks, and address any operational concerns, resulting in improved efficiency and teamwork.
Customer Service
Walgreens Pharmacy
2019.05 - 2019.09
- Responsible for managing customer expectations and delivering superior levels of service.
- Demonstrated ability to communicate clearly and empathetically with customers to understand their needs and address their concerns promptly.
Education
Bachelor of Business Administration - BBA - Finance
Baruch College, Zicklin School of Business
New York, NY12.2024
Associate of Science - A.S - Financial Management
Borough of Manhattan Community College
New York, NY06.2023
Skills
- Microsoft Office Suite / G Suite
- Salesforce / CRM
- Investor Relations
- Team Training & Development
- Credit Risk Analysis
- Consumer Credit Reports
- Loan Presentation Preparation
- Lending Regulations
- Decision Making
- Team Leadership
- Policy Implementation
- Data Analysis
Timeline
Senior Credit Risk Analyst
Premium Merchant Funding
2022.12 - Current
Credit Risk Analyst
Premium Merchant Funding
2021.05 - 2022.12
Emerging Store Manager
Walgreens Pharmacy
2020.06 - 2021.05
Inventory Specialist
Walgreens Pharmacy
2020.02 - 2020.06
Shift Leader
Walgreens Pharmacy
2019.09 - 2020.02
Customer Service
Walgreens Pharmacy
2019.05 - 2019.09
Bachelor of Business Administration - BBA - Finance
Baruch College, Zicklin School of Business
Associate of Science - A.S - Financial Management
Borough of Manhattan Community College
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