JOSEPH DE HOYOS
Fort Worth
Summary
Retail Credit Analyst with extensive expertise in credit risk assessment and financial analysis. Demonstrated success in identifying trends and making data-driven decisions that improve profitability and mitigate risks. Strong collaboration skills enhance teamwork across departments to achieve organizational objectives. Established relationships with dealer partners drive mutual success.
Overview
8
8
years of professional experience
Work History
Retail Credit Analyst
Mercedes-Benz Financial Services
01.2024 - Current
- Evaluate consumer credit applications utilizing MBFS policy, scorecards, income documentation, and financial analysis to support accurate and compliant decisioning.
- Build and maintain trusted relationships with dealer partners while supporting performance, transparency, and mutual success.
- Resolve complex scenarios without escalation by leveraging experience and relationship credibility.
- Identify system and process improvement opportunities and escalate appropriately.
- Mentor new analysts and those transitioning into credit roles.
- Serve in Senior Support capacity assisting with escalations and coverage when senior management is not on duty
High Risk Collections Agent
Mercedes-Benz Financial Services
06.2022 - 01.2024
- Managed delinquent high-risk accounts in alignment with compliance and regulatory expectations.
- Consistently ranked Top 10 in performance metrics.
- Served as coaching & mentorship leader and SPACE 5 Ambassador.
Project Manager
S & S Construction
08.2021 - 06.2022
- Oversaw commercial projects across Texas and Oklahoma ensuring schedule and quality execution.
- Managed project timelines and coordinated schedules for construction projects.
- Facilitated communication between clients, subcontractors, and team members.
Instructional Materials Courier
Eagle Mountain-Saginaw ISD
08.2017 - 12.2019
- Managed secure and accurate distribution of instructional materials.
Education
Associate of Arts -
Tarrant County College
12.2021
Skills
- Credit Risk Analysis & Decisioning
- Relationship & Stakeholder Management
- Customer & Dealer Support Excellence
- Escalation Management & Problem Resolution
- Leadership, Mentorship & Coaching
- Strategic Thinking & Continuous Improvement
- High-Volume Case Management & Organization
- Risk assessment
- Team collaboration
Leadership Development
- Elevate Leadership Program Graduate
- Coaching & Mentorship Leader
- SPACE 5 Cultural Ambassador
- Lead the " Personal Branding" Session for our 2025 Elevate Graduates
Timeline
Retail Credit Analyst
Mercedes-Benz Financial Services
01.2024 - Current
High Risk Collections Agent
Mercedes-Benz Financial Services
06.2022 - 01.2024
Project Manager
S & S Construction
08.2021 - 06.2022
Instructional Materials Courier
Eagle Mountain-Saginaw ISD
08.2017 - 12.2019
Associate of Arts -
Tarrant County College