Ivette Escamilla
Fort Worth,TX
Summary
I am a dynamic professional with 17 + years of experience in the automotive and commercial finance including customer service, accounts receivable, collections, vendor management, operational leadership and underwriting. I excel at gaining trust through action and building strong relationships with customers, colleagues and business partners.
Overview
17
17
years of professional experience
Work History
Fleet Credit Analyst
Daimler Truck North America
08.2021 - Current
- Collect, review and analyze data to prepare a detailed credit analysis for new-to-bank and existing credit relationships.
- Evaluate the terms, credit risk and creditworthiness of commercial loan applications by utilizing financial statements and cash flow analysis.
- Present credit files and provide recommendations to various committees depending on the line of credit request amount ranging from $3.0MM to $300MM USD.
- Collaborate with cross-functional teams for comprehensive client assessments, supporting informed decisionmaking.
- Support the Sales and Dealer Relationship Manager teams in negotiating favorable terms, balancing business growth, identifying key issues and credit risks effectively.
- Mentor and develop junior analysts, sharing best practices and fostering their professional development in credit analysis techniques.
Senior Retail Credit Analyst
Mercedes-Benz Financial Services
09.2016 - 07.2021
- Led a team of 10 people to ensure that key operational objectives were efficiently met by managing daily activities, schedules, and workload to
- Accountable for achieving business objectives and results by providing guidance to team members and multi departments to ensure goal achievement and overall team success.
- Successfully trained and developed employees as well as provided one-on-one performance feedback regularly as well as semi-annual and annual performance appraisals.
- Built and maintained relationships with dealer partners, consistently balancing the needs of the business with dealer satisfaction while providing exceptional Customer Service.
- Mitigated losses by identifying and managing existing and emerging risks that stem from business activities and the job role.
- Served as subject matter expect by engaging and negotiating with dealer partners on escalated matters as well as ensuring that credit risk policies were aligned with the continually changing credit environment.
Collections Team Leader
Mercedes-Benz Financial Services
03.2013 - 09.2016
- Led a team of 14 people to ensure that key operational objectives were efficiently met by setting performance expectations for the team, monitoring progress towards goals and providing constructive feedback as needed.
- Boosted team morale and productivity with regular performance reviews, feedback sessions, and recognition of accomplishments. Targeted coaching sessions resulted in improved individual performance.
- Implemented continuous process improvements.
- Enhanced customer satisfaction by training team members in effective communication and negotiation techniques.
- Empowered team members by delegating responsibilities according to individual strengths and areas of expertise.
- Managed conflict resolution among team members, fostering a positive and collaborative work environment.
Operations Analyst
Mercedes Benz Financial Services
03.2007 - 03.2013
- Reduced title discrepancies by proactively researching and resolving any potential issues in advance.
- Provided exceptional customer service, addressing concerns promptly and accurately.
- Reached out to vendors and customers to verify information and follow up on payment issues.
- Streamlined collections processes, resulting in faster recovery of outstanding debts without damaging client relationships.
- Served as the primary point of contact, fostering strong relationships between internal teams such as legal department and with agency and attorney vendors in order to resolve charged off and outstanding balances.
Education
Administration Management
Tarrant County College
Fort Worth, TX05.2026
Skills
- Risk Assessment
- Credit analysis
- Financial statement analysis
- Learning Agility
- Verbal and written communication
- Relationship Management
- Cash Flow analysis
- Portfolio Management
- Time Management
- Detail-Oriented
- Strong work ethic
- Proactive
Strengths
- People Oriented
Worked with a team of 14 people during my time in collections. Listened, set up one-on-one time tailored coaching based on each indiviudal's needs. In turn 79% of the people I led were able to obtain their desired promotions during that year.
- Process Improvement
Identified inefficiencies in training process. Created a Credit Application Program which served as detailed training for future Senior RCA's.
- Attention to Detail
Detail-oriented and analytical with talent for problem-solving and effective communication.
Languages
English
Full Professional
Spanish
Native or Bilingual
Timeline
Fleet Credit Analyst
Daimler Truck North America
08.2021 - Current
Senior Retail Credit Analyst
Mercedes-Benz Financial Services
09.2016 - 07.2021
Collections Team Leader
Mercedes-Benz Financial Services
03.2013 - 09.2016
Operations Analyst
Mercedes Benz Financial Services
03.2007 - 03.2013
Administration Management
Tarrant County College
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