Karen Dahl
Coolidge,AZ
Summary
Experienced credit professional skilled in credit data analysis and financial statement evaluation to assess risk and ensure compliance with lending standards. Collaborative and goal-oriented, consistently achieving company objectives. Recognized for reliability, adaptability, attention to detail, and strong analytical abilities.
Overview
14
14
years of professional experience
Work History
Credit Analyst
Toyota Financial Services
04.2020 - Current
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
Project Management
ADP
03.2018 - 04.2020
- Streamlined project management processes, improving team collaboration and output.
- Delivered meticulous project management to effectively resolve complex challenges.
- Collaborated cross-functionally for effective project management and timely delivery of services.
- Reduced costs for market research initiatives through efficient project management techniques.
Underwriter
State Farm Insurance
01.2016 - 02.2018
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Increased customer satisfaction through timely communication and efficient handling of loan applications.
Financial Analyst
Derco Aerospace
11.2014 - 01.2016
- Conducted detailed financial analysis to identify and evaluate changes in operations, trends and potential areas of improvement.
- Facilitated smooth month-end close processes by efficiently reconciling accounts and addressing discrepancies promptly.
- Improved cash flow management with rigorous accounts receivable tracking.
Pricing Contracts Supervisor
Airgas
09.2013 - 11.2014
- Managed a diverse portfolio of contracts, effectively balancing competing priorities and deadlines.
- Collaborated with cross-functional teams to develop comprehensive contract requirements based on project needs.
- Reduced risk exposure by diligently reviewing contracts to ensure adherence to company policies and regulations.
Commercial Credit Analyst
Airgas
04.2011 - 09.2013
- Improved loan portfolio quality by conducting thorough financial statement analysis and risk assessments.
- Reduced potential losses by identifying high-risk borrowers and taking appropriate action to mitigate risks.
- Streamlined credit approval process for faster decision-making through meticulous documentation and collaboration with senior management.
Education
Bachelor - Business and Accounting
University of Phoenix
Master of Arts - MS in Cybersecurity
Walden University
Minneapolis, MNSkills
- Effective Communication
- Analytical Problem-Solving
- Analytical Problem Solving
- Meticulous Attention to Detail
- Strategic Negotiation Skills
- Risk Mitigation Strategies
- Pacer (Bankruptcy)
- Tableau Proficiency
- Proficient in Microsoft Word
- Excel Proficiency
- Proficient in PowerPoint Presentations
- Microsoft Access Proficiency
- Salesforce Proficiency
- Experience with SAP ERP
- Experienced in Equifax, Experian, and TransUnion
Roles And Responsibilities
- Conducting thorough analysis of financial statements and credit requests.
- Assessing credit risk and making recommendations.
- Gathering and reviewing financial data of loan applicants.
- Contacting clients for payment resolution and negotiating payment arrangements.
Fraud Risk
In prior roles, I have gained insightful experience when dealing with fraud and suspicious activity with accounts. My experience in Banking, Automotive, Healthcare and Manufacturing have given me great insight. I have developed an understanding of how to recognize and recognize such activity to strategy better prevention.
Communication Skills
Collaborating with coworkers can be defined in several styles. Communication through writing, speaking, presenting, active listening and teamwork. My style of communication has been effective in past roles and continues to evolve as necessary.
Timeline
Credit Analyst
Toyota Financial Services
04.2020 - Current
Project Management
ADP
03.2018 - 04.2020
Underwriter
State Farm Insurance
01.2016 - 02.2018
Financial Analyst
Derco Aerospace
11.2014 - 01.2016
Pricing Contracts Supervisor
Airgas
09.2013 - 11.2014
Commercial Credit Analyst
Airgas
04.2011 - 09.2013
Bachelor - Business and Accounting
University of Phoenix
Master of Arts - MS in Cybersecurity
Walden University
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