Jennifer Morgan
Credit Manager
Lake Stevens,WA
Summary
Accomplished Credit Manager with a proven track record at AmeriCredit Financial Services, enhancing credit management through meticulous risk assessments and fraud knowledge. Excelled in client relationship management and policy implementation, significantly mitigating bad debt risks. Expert in application review and fostering team growth, embodying leadership and analytical prowess. Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Overview
19
19
years of professional experience
Work History
Credit Manager
AmeriCredit Financial Services
04.2011 - Current
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
Senior Credit Analyst
AmeriCredit Financial Services
04.2009 - 04.2011
- Complied with internal controls and government regulations.
- Prioritized tasks to meet or exceed timelines and supervised multiple responsibilities at same time.
- Offered insight to upper management regarding credit decisions.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Evaluated customer credit data to determine level of risk involved in money lending.
- Made decisions and recommendations about extending lines of credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
Funder
AmeriCredit Financial Services
07.2005 - 06.2008
- Compiled closing packages for drafting and presentation accuracy.
- Evaluated loan requests and documents to verify accuracy and completeness.
Skills
- Application Review
- Policy application
- Customer Engagement
- Credit Reports
- Investigations
- Fraud understanding
- Fraud knowledge
- Workflow Coordination
- Client Relationship Management
- Risk Assessments
- Mentoring and training
- Research and due diligence
- Performance monitoring
- Policy Implementation
Accomplishments
Americredit Presidents Award 2017, 2018 Top Credit Manager out of 89.
Timeline
Credit Manager
AmeriCredit Financial Services
04.2011 - Current
Senior Credit Analyst
AmeriCredit Financial Services
04.2009 - 04.2011
Funder
AmeriCredit Financial Services
07.2005 - 06.2008