HEATHER MIROCKE
SENIOR CREDIT ANALYST
Marion
Summary
Senior Credit Analyst with proven success in consumer lending, credit risk assessment, and financial documentation analysis. Consistently exceeds productivity and quality assurance standards while evaluating loan applications, identifying risk factors, and supporting sound lending decisions. Experienced in underwriting support, regulatory compliance, fraud detection, and cross-functional collaboration within fast-paced financial services environments.
Overview
3
3
years of professional experience
1
1
Certification
Work History
SENIOR CREDIT ANALYST
Upstart
07.2025 - Current
- Analyze consumer loan applications and supporting financial documentation to assess creditworthiness and lending risk.
- Evaluate income, employment, identity, and banking verification data while ensuring compliance with federal lending requirements.
- Identify fraud indicators and elevated-risk applications requiring additional review.
- Partner with underwriting, compliance, and operations teams to facilitate accurate lending decisions.
- Consistently exceed productivity and quality assurance goals, maintaining over 100% achievement in both metrics.
- Maintain exceptional accuracy while managing a high-volume loan review pipeline.
ACCOUNT MANAGEMENT SPECIALIST
Sutherland Global Logistics
09.2024 - 06.2025
- Maintained accurate documentation supporting compliance requirements and operational efficiency.
- Resolved complex customer concerns while ensuring confidentiality and data accuracy.
- Trained new employees on systems, workflows, and company procedures.
MEMBER & PROVIDER SERVICES REPRESENTATIVE
ResultsCX
08.2023 - 09.2024
- Managed high-volume inquiries regarding claims, benefits, and eligibility.
- Resolved escalated issues while maintaining exceptional customer service standards.
- Maintained HIPAA compliance while handling sensitive information.
Education
GED - undefined
North East Career Center
Associate of Science - Criminal Justice
Southern New Hampshire University
01.2027
Skills
- Credit Analysis
- Risk Assessment
- Consumer Lending
- Underwriting Support
- Creditworthiness Evaluation
- Fraud Detection
- Regulatory Compliance
- Financial Documentation Review
- Loan Processing
- Quality Assurance
- Salesforce
- Data Analysis
- Process Improvement
Certification
CDCA – Chemical Dependency Counselor Assistant (Active)
ADDITIONAL EXPERIENCE
- Housing Coordinator | Day One Integrative Services | Marion, OH
- Supervisor | Missy Maids | Westerville, OH
Timeline
SENIOR CREDIT ANALYST
Upstart
07.2025 - Current
ACCOUNT MANAGEMENT SPECIALIST
Sutherland Global Logistics
09.2024 - 06.2025
MEMBER & PROVIDER SERVICES REPRESENTATIVE
ResultsCX
08.2023 - 09.2024
GED - undefined
North East Career Center
Associate of Science - Criminal Justice
Southern New Hampshire University