Summary
Overview
Work History
Education
Skills
Timeline
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Helen Junior

Palmdale,CA

Summary

Seasoned Credit Analyst and Collections Lead with a proven track record at AT&T, adept in financial statement analysis and enhancing team performance. Leveraged expertise in risk assessment and relationship management to reduce bad debt write-offs and elevate credit decision-making processes. Excelled in fostering a vigilant culture against theft and fraud at Washington Mutual Bank, demonstrating exceptional verbal communication and Microsoft Excel proficiency.

Overview

28
28
years of professional experience

Work History

Credit Analyst

AT&T
01.2015 - Current
  • Assessed credit risk and analyzed financial statements.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Analyzed credit scores to determine borrowers' creditworthiness.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
  • Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
  • Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
  • Led training sessions on advanced credit analysis techniques, elevating team expertise and performance.

Collections Lead

AT&T
12.1999 - Current
  • Collaborated with cross-functional teams to develop comprehensive debt recovery solutions for complex cases.
  • Implemented new technology tools for better tracking of collection efforts, increasing efficiency and effectiveness across the department.
  • Served as a subject matter expert on collections matters within the organization, offering guidance to colleagues as needed.
  • Created individualized development plans for team members, resulting in enhanced skill sets and increased employee satisfaction.
  • Closely monitored team performance metrics regularly for improvements or corrective measures necessary.
  • Reduced bad debt write-offs by monitoring high-risk accounts and taking timely corrective actions.
  • Maintained compliance with federal and state regulations governing debt collection activities, protecting the company from potential legal issues.

Asset Protection Associate

Washington Mutual Bank
01.1997 - 12.1999
  • Patrolled store departments to check for suspicious activities.
  • Monitored and analyzed customer behavior to identify and respond to potential theft and fraud incidents.
  • Controlled reduction of loss inventory by protecting company assets.
  • Wrote reports outlining activities and results.
  • Utilized security systems and CCTV to monitor store activities and detect possible security incidents.
  • Collaborated with store management to develop targeted action plans addressing high-risk areas and items.
  • Improved store safety for employees and customers through regular risk assessments and hazard identification.
  • Increased awareness of potential risks among staff members through ongoing communication, fostering a culture of vigilance against theft and fraud.
  • Conducted internal investigations, interviewing staff members suspected of theft or misconduct to determine appropriate actions.

Education

Bachelor Of Arts - Criminal Justice

West Los Angeles College
Culver City, CA
05.2005

Skills

  • Risk assessment
  • Credit analysis
  • Financial statement analysis
  • Credit risk
  • Data analysis
  • Credit decisions
  • Verbal and written communication
  • Financial statements expertise
  • Credit reporting
  • Relationship management
  • Oral and written communications
  • Microsoft Excel proficiency

Timeline

Credit Analyst

AT&T
01.2015 - Current

Collections Lead

AT&T
12.1999 - Current

Asset Protection Associate

Washington Mutual Bank
01.1997 - 12.1999

Bachelor Of Arts - Criminal Justice

West Los Angeles College

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Helen Junior