Jose Vogel

• Perform Credit Risk assessment associated with existing Business and consumer customer credit portfolios.

• Analyze credit bureaus and client transactions to identify risk.

• Utilize all relevant information to determine financial repayment capacity and predict the likelihood of repayment for extended credit.

• Safeguard the firm’s investments by making judgmental, yet customer-focused decisions.

• Record accurate and detailed analysis in written format to meet required regulations.

• Communicate credit decisions to clients when necessary.

• Complete ongoing, company-sponsored fraud/AML compliance training.

• Utilize core AML/BSA and fraud concepts to recognize and escalate suspicious activity.

• Maintained current understanding of compliance standards and best practices.
• Review credit line increase applications for existing business and consumer customers
• Worked well in a team setting, providing support and guidance.

• Responded proactively and positively to rapid change.
• Conducted case management activities and services with multidisciplinary team.
• Handled inbound calls and assisted with customers inquiries regarding customers checking and savings account.
• Developed strong relationships with key clients, resulting in increased revenue and repeat business.
• Provided excellent customer service by following up with clients and also helping with opening new deposits and savings accounts, balance transfers,direct deposits,car loan referrals and business credit cards
• Met customer call guidelines for service levels, handle time and productivity.

• Compiled and analyzed data for review by senior management of loan loss reports to measure portfolio performance.
• Negotiated to collect balance in full.
• Utilized advanced software systems to manage account portfolios effectively, optimizing workflow processes within the team environment.
• Established relationships with customers to encourage payment of delinquent accounts.
• Analyzed customer financial records to determine appropriate payment plan.
• Improved customer payment compliance through negotiating mutually agreeable repayment plans.
• Contacted customers to discuss past-due accounts and negotiated payment plans.