Jessica Liang
Vancouver,WA
Summary
Organized and motivated employee eager to apply time management and organizational skills in various environments. Seeking entry-level opportunities to expand skills while facilitating company growth.
Overview
13
13
years of professional experience
Work History
Sr. Credit Risk Analyst (Team Lead)
Wells Fargo Bank Consumer Lending
Vancouver, WA
03.2010 - 08.2023
- Generated reports from Tableau dashboards to provide daily, monthly, and quarterly, semi-annual and annual volume, pipeline, fee, and production insight data to management and other business partners.
- Evaluated the creditworthiness of individuals or companies to examine the credit score, debts repayment history, current purchase activities and total monthly payment. The historical data provided information how applicants handled obligations and credibility.
- Analyzed individual or companies’ financial / income statements, tax returns, paystubs, and W2 data. Calculated the cash flow and financial ratios compared with industry benchmarks to measure financial performance, operation trends, financial stability, capacity of repayment, capital, net worth, liquidity, and potential risk area.
- Determine risk level and the suitability credit terms based on the analysis, policies, procedures, and regulations to make recommendations for the credit limit or extend credit.
- Processed new hire team members’ W-9 in the Cisive, orientation, training, requested systems access.
- Tracked the credit reports and LexisNexis invoices’ transactions to compare with the applicants’ applications records for internal quality control to meet compliance requirements. Completed the validation in the timely manner for administering process accuracy payment.
- Worked closely with regulatory agencies and assisted regulatory exams. Ensures that all auditing or exam preparatory needs are met.
- Tracked project status reports and monitored progress and shared updates with the project teams and any relevant stakeholders. Communicates changes to business partners and supports implementation of necessary changes to impacted business areas.
Education
Bachelor of Science - Finance
Auburn UniversityMontgomery
Skills
- Data Analysis
- Financial Analysis
- Cash Management
- Credit Risk Analysis
- Forecasting Trends
- Payroll and Deductions
- Advance Software
- Excel: Macros, Pivot Table
- Formulas, Pivot Table
- Microsoft PowerPoint
- Excel Dashboard
- Tableau
- Cost Analysis
- Risk management
- Financial accounting
- Cash management
- Financial analysis
- Principles of banking
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
There are no secrets to success. It is the result of preparation, hard work, and learning from failure.
Colin Powell
Timeline
Sr. Credit Risk Analyst (Team Lead)
Wells Fargo Bank Consumer Lending
03.2010 - 08.2023
Bachelor of Science - Finance
Auburn UniversityMontgomery
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