Summary
Overview
Work History
Education
Skills
References
Timeline
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HERBERT MITCHELL

Memphis,TN

Summary

Analytical and results-driven professional with strong expertise in financial portfolio management, credit analysis, and underwriting. Skilled at evaluating complex financial data, managing high-volume portfolios, and delivering top-notch customer service. Seeking a position where my skills in financial analysis and problem-solving can drive business success and enhance operational efficiency.

Overview

17
17
years of professional experience

Work History

Senior Credit Analyst & Underwriter

Shelby County FCU
10.2023 - Current
  • Member of the underwriting consumer finance in a banking environment
  • Evaluate and decision loan applications based on various financial matrices, including beacon score, BNAV score, debt-to-income ratios, and loan-to-value ratios
  • Apply underwriting expertise to approve, deny, or counter consumer loan applications, ensuring compliance with federal and state regulations
  • Collaborate with dealers and branch teams to communicate decisions clearly and manage loan processes from preliminary stages to closing
  • Successfully managed complex loan cases, ensuring high accuracy and confidentiality
  • Contributed to a 10% reduction in loan processing time by streamlining decision-making procedures
  • Evaluating forms of income in my decisioning making of applications
  • Ensure compliance with all applicable federal, state and local regulations, staying updated on any regulatory changes
  • Effectively communicate credit decisions, both written and oral, to members, MSRs, branches and dealerships

Credit Analyst II/Senior Underwriter

ORION FCU
08.2022 - 10.2023
  • Member of the underwriting consumer finance in a banking environment
  • Evaluating and decisioning loan applications on the following matrix: beacon score, BNAV score, debt to income ratios, unsecured ratio, loan to value, max unsecured ratio limits, etc
  • Evaluating forms of income in my decisioning making of applications
  • Applying my knowledge of underwriting procedures to approve, counter and/or deny consumer loan applications
  • Handling loans with accuracy, value and the highest complexity while maintaining professionalism and confidentiality
  • Comply with all applicable and developing federal, state, and local regulations and regulations changes
  • Use company’s enterprise systems to review, decision and communicate decisions to indirect dealers and branch support teams
  • Communicate my credit decisions in an effective manner, written or oral to FSR, branches and dealership
  • Support branch staff in preparing contracts including the preliminary and closing of contract

Credit Analyst/Loan Underwriter

AMERICAN FINANCIAL
01.2018 - 08.2022
  • Member of the underwriting group supporting a multi-million-dollar vehicle finance portfolio
  • Review, analyze and evaluate loan applications based on AF policies and apply my knowledge of underwriting procedures to approve, counter and/or deny consumer loan applications
  • Handle accounts with speed and accuracy while maintaining professionalism
  • Comply with all applicable federal, state, and local regulations and regulations changes
  • Maintain a required high level of quality and quantity of work
  • Document all accounts accurately, clearly, and concisely noting reason for delinquency
  • Address credit file fraud alerts, clearing the alert according to federal law and company policy
  • Communicate my credit decisions in an effective manner, written or oral to the dealerships

Inventory Analyst

NIKE, INC.
07.2015 - 01.2018
  • Being a team member in the planning process and interacting across the supply chain while supporting management strategies to minimize cost and achieve targeted KPI levels
  • Maximize product availability; ensure data integrity & improve inventory visibility
  • Integrate company mission and values into daily work and planning
  • Work cross-functionally with teammates to ensure inventory integrity, order fulfillment & product flow

Customer Service Manager

KEY WORKERS, INC.
06.2013 - 07.2015
  • Managed all administrative aspect of a temporary employment agency
  • Recruited, hired & placed employees into client’s job assignments
  • Verified employment eligibility via I-9 and E-Verify
  • Administered 4 panels drug test, verified job references & conducted background checks
  • Used company’s proprietary computer program to enter employee/client data, payroll & billing
  • Managed A/R billing process; prepared Debit/Credit memos & managed the petty cash fund
  • Prepared Certified Payroll for government clients & sub-contractors
  • Conducted Workman’s Compensation investigations following job related injuries
  • Generated sales calls to current and inactive customers to increase company revenue

Commercial Credit Risk Analyst

AUTOZONE STORES
07.2008 - 05.2013
  • Managed an assigned credit risk portfolio of B2B accounts for a division of AutoZone Commercial Stores
  • Provided client contact situations to AutoZone’s Commercial Credit customers, stores & field personnel
  • Performed credit analysis for B2B accounts through business and consumer credit reports from Dun and Bradstreet, Experian Business, personal credit reports, bank references and financial statements
  • Determined B2B account types for customers after a thorough credit analysis has been conducted, i.e., COD, Daily, Weekly, Monthly accounts per AutoZone criteria
  • Analyzed '80% of Credit' Reports to determine customer’s credit limit within AutoZone’s guidelines
  • Analyzed daily reports to ensure all accounts have open-to-buy credit & placed on credit hold if needed
  • Performed collection duties on customers that are over their credit limit and non-compliant with agreed AutoZone payment terms

Education

B.B.A - Bachelor of Business Administration

UNIVERSITY OF MISSISSIPPI
OXFORD, MS

Skills

  • Account Payables/Receivables
  • B2B Credit Analysis
  • Account Management
  • Dun & Bradstreet Analysis
  • Collections
  • Customer Service/Marketing
  • Collaboration
  • Personal Credit Analysis
  • Portfolio Management
  • Communication
  • Problem Solving
  • Financial Data Analysis
  • Oracle
  • Excel/Access
  • SAP/SQL
  • JD Edwards
  • MS Office
  • WMOS
  • AMS 2000
  • PeopleSoft
  • Negotiation Skills
  • Oral and written communications
  • Training and mentoring
  • Credit risk assessment
  • Proficient in [software]
  • Loan structuring
  • Financial statements expertise
  • Data analysis
  • Data interpretation
  • Reporting and documentation
  • Cash flow analysis
  • Underwriting
  • Lending regulations
  • Relationship management
  • Process improvements
  • Credit decisions
  • Credit analysis
  • Verbal and written communication
  • Portfolio management
  • Credit scoring models
  • Commercial credit reports
  • Banking regulations
  • Collateral valuation
  • Financial statement analysis

References

Excellent References Available Upon Request

Timeline

Senior Credit Analyst & Underwriter

Shelby County FCU
10.2023 - Current

Credit Analyst II/Senior Underwriter

ORION FCU
08.2022 - 10.2023

Credit Analyst/Loan Underwriter

AMERICAN FINANCIAL
01.2018 - 08.2022

Inventory Analyst

NIKE, INC.
07.2015 - 01.2018

Customer Service Manager

KEY WORKERS, INC.
06.2013 - 07.2015

Commercial Credit Risk Analyst

AUTOZONE STORES
07.2008 - 05.2013

B.B.A - Bachelor of Business Administration

UNIVERSITY OF MISSISSIPPI

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