Jennifer Machado
Newark,NJ
Summary
Orderly and committed Individual offering solid skills in customer relations and resilience to handle challenges in fast-paced environments. Bringing detail-oriented and decisive nature with sound judgment, good multitasking abilities and self-motivated nature. Comfortable working alone or with teams to accomplish on-time and accurate clerical tasks.
Overview
14
14
years of professional experience
Work History
Credit Analyst
Churchill Living
Hawthorne, NJ
06.2013 - 12.2023
- Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.
- Identified areas where additional information was needed to complete a thorough analysis.
- Consulted with senior management regarding proposed changes in underwriting standards or procedures.
- Conducted credit reviews on corporations to assess financial conditions.
- Assessed customer credit files regularly to review receivables.
- Adhered to applicable laws, regulations and policies governing consumer lending practices.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Determined appropriate loan terms based on borrower's creditworthiness.
Administrative Assistant
Home Advantage Plus, LLC
West Orange, NJ
12.2009 - 05.2012
- Conducted market research to determine appropriate pricing.
- Created new sales and marketing strategies to drive growth.
- Settled complex new and existing agreements or statements of work, requests for information and requests for proposals.
- Maintained accurate records of purchases including invoices, price lists, product codes and descriptions.
- Composed, edited and typed complex memos and reports with job-related software.
- Organized files, developed spreadsheets, faxed reports and scanned documents, maintaining front desk and reception area in neat and organized fashion.
- Assisted with the planning of special events by arranging catering services, securing venues and ordering promotional materials.
- Created spreadsheets in Microsoft Excel for record-keeping and reporting.
- Handled incoming calls and directed callers to appropriate department or employee.
Education
High School Diploma -
Barringer Arts High School
Newark, NJ06-2002
Skills
- Data Compilation
- Judgmental Lending
- Verbal and Written Communication
- Industry Standards
- Report Analysis
- Data Analysis
- Financial Statement Review
- Risk Assessment
- Information Verification
- Report Preparation
- Document Control
- Office Administration
- Calendar Management
- Research
- Spreadsheet Management
- Credit and Collections
- Microsoft Excel
- Social Media Knowledge
- Microsoft Word
- Computer Skills
Languages
English
Native/ Bilingual
Spanish
Professional
Timeline
Credit Analyst
Churchill Living
06.2013 - 12.2023
Administrative Assistant
Home Advantage Plus, LLC
12.2009 - 05.2012
High School Diploma -
Barringer Arts High School
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