Jessica De Bernard
Albuquerque,NM
Summary
Energetic Senior Credit Analyst with expertise in credit risk analysis and a proven track record at Nusenda Credit Union, where I helped enhance credit strategies and contributed to achieving the highest statewide market share. Skilled in Excel and known for strong analytical problem-solving and effective communication, driving revenue optimization and team success.
Overview
15
15
years of professional experience
Work History
Senior Credit Analyst
Nusenda Credit Union
03.2015 - Current
- Analyzed credit reports, tax returns, and financial documents to assess risk in auto, RV, and consumer loans.
- Developed historical data-based reports to pinpoint potential losses and opportunities for credit strategy enhancement.
- Collaborated with CFO and SVP of Lending to refine credit risk strategy and optimize decision engine.
- Contributed significantly to indirect lending department attaining highest statewide market share since 2015.
Credit Analyst
Wells Fargo Dealer Services
Albuquerque, NM
08.2011 - 02.2015
- Analyzed credit reports and financial data to assess risk and profitability in auto loan underwriting.
- Negotiated effectively with dealers to secure auto loans.
- Ensured compliance with policies and lending metrics to support sound loan decisions.
- Delivered exceptional customer service to dealers and external clients.
Credit Analyst
Barclaycard US
Wilmington, DE
07.2010 - 07.2011
- Analyzed credit reports and financial data to assess risk in underwriting consumer and commercial credit card accounts.
- Cross-sold additional company products during customer interactions to enhance revenue.
Education
Bachelor of Arts - Music Performance
University of Delaware
Newark, DE05-2006
Skills
- Credit risk analysis expertise
- Risk management and revenue optimization
- Excel proficiency (report building, pivot tables, VLOOKUP, charts)
- Time management and attention to detail
- Written and verbal communication
- Analytical problem-solving approach
- Teamwork and accountability focus
Timeline
Senior Credit Analyst
Nusenda Credit Union
03.2015 - Current
Credit Analyst
Wells Fargo Dealer Services
08.2011 - 02.2015
Credit Analyst
Barclaycard US
07.2010 - 07.2011
Bachelor of Arts - Music Performance
University of Delaware