Fernando WHITE
Monroe,NC
Summary
Developed analytical and problem-solving skills in corporate finance environment, focusing on financial analysis and risk assessment. Demonstrated ability to interpret data and make strategic decisions. Seeking to transition into new field, leveraging these skills to drive value and growth.
Overview
8
8
years of professional experience
Work History
Corporate Credit Analyst
United Rentals
03.2023 - Current
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness
- Analyzed customer payment histories to assess credit risk profiles
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability
- Developed strategies to manage delinquent accounts and reduce overall portfolio risks
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status
- Interpreted complex financial data such as balance sheets, cash flow statements and income statements
- Prepared periodic reports detailing overall portfolio performance and trends in delinquency rates
Assistant Branch Manager
Enterprise Holdings
08.2021 - 03.2023
- Management of Customer service, Sales, Operations, Fleet Management, logistics and finance.
- Assistance with Branch Operations which contributed to Monthly sales goals and SQI scores of 87% within the top regionally
- Increased Operational Profitably controlling cost and increasing revenue
- Review and Analyze reports, Financial Statements and Billing
- Marketed and Built relationships with vendors to develop new business as well as maintain current relationships to meet growth and sales goals
- Develop, Plan and actively participate in branch sales and marketing networking events to establish and cement community ties, B2B relationships and industry connections
- Analyzed variable data for operations to determine areas for improvement
Leasing Account Manager ( Credit and Finance)
American Honda Financial Corporation
08.2016 - 05.2019
- Collaborate with clients to understand their financial needs and propose tailored leasing solutions. ( Vehicle Leasing)
- Negotiated contracts to secure favorable terms and conditions for clients.
- Prepare reports for management on portfolio performance, potential risks, and opportunities
- Managed high-value accounts, delivering tailored solutions and driving customer retention.
- Oversee an assigned portfolio of lease agreements, ensuring timely payments and compliance with contract terms.
- Stay informed about market trends, competitor offerings, and industry regulations to identify opportunities for business expansion.
Automotive Finance Coordinator
Sonic Automotive
08.2016 - 05.2019
- Ensure that all required documents (loan agreements, lease contracts, proof of insurance, etc.) are completed accurately and submitted in a timely manner.
- Assist in maintaining the dealership’s financial records related to financing transactions and vehicle sales.
- Monitored compliance with financial regulations and internal policies.
- Present finance options (loans, leases, etc.) to customers based on their financial profile and preferences.
- Facilitate the funding process for the dealership by ensuring that all financing documents are signed and that payment is received from the lender.
- Communicate with lenders regarding approvals, denials, and adjustments to credit terms.
Education
Bachelor of Arts - Liberal Studies
North Carolina Agricultural And Technical State University
Greensboro, NC05-2014
Skills
- Data Analysis
- Data Analysis Management
- Financial oversight
- Relationship managment
- Financial statement analysis
- Credit monitoring
- Microsoft Excel proficiency
- Portfolio management
Timeline
Corporate Credit Analyst
United Rentals
03.2023 - Current
Assistant Branch Manager
Enterprise Holdings
08.2021 - 03.2023
Leasing Account Manager ( Credit and Finance)
American Honda Financial Corporation
08.2016 - 05.2019
Automotive Finance Coordinator
Sonic Automotive
08.2016 - 05.2019
Bachelor of Arts - Liberal Studies
North Carolina Agricultural And Technical State University
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