Erin Rice
Colorado Springs,CO
Summary
Adept Senior Credit Analyst with a proven track record at GM Financial, showcasing strong credit analysis and excellent time management skills. Demonstrated ability to enhance creditworthiness assessments through detailed financial analysis and effective mentorship of junior staff. Known for a positive attitude and a fast-learning approach, consistently achieving beyond set targets.
Overview
22
22
years of professional experience
Work History
Senior Credit Analyst II
GM Financial
Lynnwood, WA
05.2010 - 05.2024
- Reviewed and analyzed financial statements to assess creditworthiness of potential customers.
- Evaluated requests for new loans or line increases based on established criteria.
- Utilized automated underwriting and credit analysis systems to generate reports on applications, analyzing debt-to-income ratios and other metrics to assess applications.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Handled customer service correspondence from clients, assisting with application completion, explaining qualification criteria and resolving complaints.
- Collaborated closely with customers, using effective communication, and interpersonal strengths to gather important financial information.
- Managed various tasks simultaneously and made sure all job duties were completed in order of priority.
- Provided mentorship and training to junior credit analysts on financial analysis techniques and tools.
- Ensured compliance with regulatory requirements and internal credit policies during the credit approval process.
Credit Analyst
CitiFinancial Auto
Chico, CA
05.2002 - 07.2008
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Analyzed customer payment histories to assess credit risk profiles.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Provided recommendations regarding loans applications based on sound credit evaluation principles.
- Identified areas where additional information was needed to complete a thorough analysis.
Education
Bachelor of Science - Psychology
Colorado State University
Fort Collins, CO12-1998
Skills
- Strong account analysis skills
- Self-sufficient
- Detail oriented
- Excellent time management skills
- Good teacher
- Fast learner
- Works well with others
- Positive
- Cheerful
Accomplishments
- Credit analyst of the year four times in the last eight years
- Acting as Credit Manager when needed
Timeline
Senior Credit Analyst II
GM Financial
05.2010 - 05.2024
Credit Analyst
CitiFinancial Auto
05.2002 - 07.2008
Bachelor of Science - Psychology
Colorado State University
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