Emily Morical
Indianapolis ,IN
Summary
Dynamic Credit & Fraud Analyst with proven expertise at AES Indiana in risk assessment and regulatory compliance. Enhanced team capabilities through training initiatives while delivering strategic credit evaluations that minimized defaults. Adept at fostering client relationships and implementing fraud prevention strategies, ensuring financial stability and operational excellence.
Overview
23
23
years of professional experience
Work History
Credit & Fraud Analyst
AES Indiana
Indianapolis, IN
08.2002 - 11.2025
- Performed diligent credit analysis and adhered to regulatory guidelines to effectively reduce risk exposure.
- Developed and delivered training sessions for junior analysts on effective credit analysis and collection strategies, improving overall team capabilities.
- Analyzed creditworthiness of new clients through extensive research, delivering strategic recommendations based on risk evaluations and payment history insights.
- Performed thorough analysis of client financial histories, resulting in improved accuracy of credit evaluations.
- Attended workshops and training sessions to enhance understanding of credit analysis, emphasizing compliance with lending practices and regulatory frameworks.
- Performed detailed credit assessments and documentation evaluations to safeguard against potential financial risks.
- Analyzed creditworthiness of potential customers, ensuring risk mitigation while fostering opportunities for business growth.
- Analyzed creditworthiness through detailed assessments to ensure financial institution's stability and minimize potential defaults.
- Executed thorough credit evaluations and adhered to company policies to effectively reduce risk exposure.
- Attended professional development workshops and seminars to strengthen knowledge and skills in credit analysis.
- Maintained detailed records of all credit analysis components, contributing to favorable audit evaluations.
- Implemented rigorous risk assessment protocols and detailed credit analysis to drive improvements in account profitability.
- Analyzed applicant credit histories and provided strategic recommendations for approval or denial to safeguard financial interests.
Education
High School Diploma -
Lawrence Central
Indianapolis, INSkills
Credit analysis
Risk assessment
Regulatory compliance
Data evaluation
Financial documentation
Client relationships
Payment history analysis
Audit readiness
Creditworthiness evaluation
Risk mitigation strategies
Process improvement
Compliance audits
Fraud prevention
Fraud detection
Dispute resolution
Verbal and written communication
Effective communication
Transaction monitoring
Loss prevention
Telephone and email etiquette
Procedure review
Trained in software
Proficient in software
Case management
Fraud identification
Fraud patterns
Ethical standards
Account information review
Investigative techniques
Multitasking
Task prioritization
Investigation documentation
Evidence organization
Relationship building
Organizational skills
Adaptability and flexibility
Decision-making
Detail-oriented
Self motivation
Interpersonal skills
Analytical thinking
Conflict resolution
Information gathering
Goal setting
Professionalism
Interpersonal communication
Legal knowledge
Time management abilities
Continuous improvement
Adaptability
Written communication
Accomplishments
Was a leader in guiding other employees Proficient with suggestions on how improve processes as well as being a team player willing to assist others in any situation that may arise as well as assisted others with other skills such as processing bankruptcy’s providing information to legal in order to file claims in a timely fashion! Am very proficient in handling customers with fraud issues directly and conclusively! Supported management during official inquiries from government inquiries specifically Indiana Regulatory Commission! Provided documentation needed to support them during inquiries.
Timeline
Credit & Fraud Analyst
AES Indiana
08.2002 - 11.2025
High School Diploma -
Lawrence Central