Summary
Overview
Work History
Education
Skills
Certification
Timeline
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Heidi Craig

Tallahassee,FL

Summary

Highly organized, enthusiastic, and multi-tasking professional with extensive experience as a Credit Collection Analyst in the industry over the past ten years. Prior to my role as a Credit Analyst, I spent fifteen plus years as a Real Estate Loan Processor & Loan Officer Assistant. This diverse background has allowed me to excel in both the public and private sectors. Known for thoroughness and professionalism, always ensuring tasks are completed to the highest standard. Strong focus on efficiency, working quickly without compromising on quality. Exceptional interpersonal skills enable effective communication and connection with individuals from all walks of life. Thrives in challenging environments, consistently delivering outstanding results.

Overview

15
15
years of professional experience
1
1
Certification

Work History

Senior Credit Collection Analyst

Sonos, Inc
01.2019 - Current
  • Analyzes credit history and information related to applications for credit and overdue/delinquent accounts
  • Ensures compliance with credit and collections regulations and adherence to best practices
  • Provides reporting on outstanding account balances, credit applications, and collection activity
  • Recommends terms and conditions pertaining to credit and debt repayment
  • Manages a pipeline of over 8500 accounts in the US and Canada, including 1300 hundred accounts with open AR
  • Manage and continue ongoing training for a new Collection Specialist(s) since November 2022.

Senior Credit Analyst

Deckers Outdoor Corporation
01.2014 - 01.2019
  • Analyze credit data and financial statements to determine the degree of risk involved in extending credit to businesses
  • Assess collateral values and credit risk, and prepare written credit-approval packages and open new credit line accounts
  • Confer with credit association and other business representatives to exchange credit information
  • Prepare reports that include the degree of risk involved in extending credit
  • Performed underwriting analysis of Business' character, credit worthiness and financial condition.

Loan Document Specialist III

Wells Fargo Home Mortgage
01.2012 - 01.2014
  • Processed conventional, FHA and VA mortgage real estate loans in compliance with bank, regulatory, and investor guidelines by ensuring completeness of mortgage loan documentation that meets department service, quality, and compliance standards
  • Received Customer Service Loyalty award for the Pacific Coastal Region in 2012, by maintaining open customer communication & contact throughout the loan process, which resulted in the branch loyalty score going from 67% to 88% the highest score in the region
  • Achieved an internal audit processing score of 92% by knowing corporate & governmental guidelines and completing updated training courses to ensure a successful internal branch audit.

Senior Loan Assistant & Processor

SG Premier Lending
01.2010 - 01.2012
  • Processed conventional, FHA and VA mortgage real estate loans in compliance with bank, regulatory, and investor guidelines by ensuring completeness of mortgage loan documentation that meets department service, quality, and compliance standards
  • Prepared and presented training to new Loan Officers on preparing quality loan submissions resulting in saving the company $25,000.00 annually
  • Created follow up system through DocMagic and investors to ensure all disclosures were complying and up to date per federal guidelines
  • Managed pipeline schedule and deadline times on all loans by creating excel spreadsheet and follow up tickler system.

Education

Bachelor of Business Administration - Management

Almeda University

Skills

  • Well-developed ability to manage multiple tasks/projects and deadlines simultaneously
  • Strong understanding of loan risk factors
  • Signing authority up to $500K
  • Advanced knowledge of credit, collection policies and approval processes
  • Strong verbal and written communication skills
  • Elevated level of organization, diligence, accuracy, and thoroughness
  • Ability to use creative thinking to find solutions to problems
  • Ability to work with a can-do attitude and offer superior service

Certification

CA Commissioned CA Notary Public & Certified Signing Notary Agent, Comm. #2057790, 02/13/18

Timeline

Senior Credit Collection Analyst

Sonos, Inc
01.2019 - Current

Senior Credit Analyst

Deckers Outdoor Corporation
01.2014 - 01.2019

Loan Document Specialist III

Wells Fargo Home Mortgage
01.2012 - 01.2014

Senior Loan Assistant & Processor

SG Premier Lending
01.2010 - 01.2012

Bachelor of Business Administration - Management

Almeda University

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Heidi Craig