Kirsys Cedano
Summary
High-performing professional with a strong background in Credit, Sales and Funding. An effective Senior Credit Analyst promoting exceptional talents in managing successful Credit portfolios and proficiency in Provenir, Viewpoint, CMSI, LOS, Salesforce, Microsoft Word, and Excel
Overview
27
27
years of professional experience
Work History
Senior Credit Analyst II
GM Financial
09.2011 - Current
- Evaluated customer credit data to determine level of risk.
- Streamlined the loan approval process by effectively collaborating with dealer partners,sales, and funding teams.
- Enhanced portfolio performance through regular monitoring of credit exposure, industry trends, market conditions, and capturing the right mix of business.
- Managed a diverse portfolio of clients while maintaining strong relationships and addressing their credit needs.
- Contributed significantly to positive audit results by maintaining detailed documentation related to all aspects of the credit analysis process.
- Enhanced team productivity through effective distribution of tasks as well as coaching on best practices in analyzing complex deals.
- Prioritized tasks to meet or exceed timelines and supervised multiple responsibilities at same time.
- Supported junior analysts with training sessions on advanced analytical techniques, fostering an environment conducive to learning and professional growth.
Senior Credit Analyst
JM Family,World Omni Financial Corp.
03.2007 - 12.2009
- Improved credit portfolio by training Dealerships on credit policies and procedures.
- Leveraged strong relationships to increase our funding volume and improve our portfolio with the right mix of business.
- Conducted thorough analysis for accurate assessment of borrowers'' repayment capacity and financial health.
- Improved our capture ratio by effectively collaborating with sales, underwriting, and funding operations teams.
Regional Sales Manager
HSBC Finance Corporation
11.2004 - 02.2007
- Expanded market share within the region by identifying growth opportunities and collaborating with Credit and Funding teams.
- Achieved regional sales objectives by developing successful strategies, and servicing accounts to strengthen business relationships.
- Increased regional sales by implementing strategic marketing plans and nurturing key client relationships.
- Developed a successful sales team through rigorous coaching, performance management, and ongoing training.
- Organized regular sales meetings, providing comprehensive updates on market trends, competitor analysis, and new product developments.
- Exceeded quarterly sales targets consistently by leveraging extensive product knowledge and effective selling techniques. Won President's Council 2005 and 2006.
Assistant Area General Manager
AmeriCredit Financial Services
01.1997 - 11.2004
- Developed strong relationships with dealerships , ensuring consistent communication and collaboration on business objectives.
- Strengthened team productivity and collaboration through effective leadership, coaching, and training initiatives.
- Enhanced customer satisfaction by driving exceptional service standards and swiftly resolving any issues or concerns.
- Conducted thorough analysis of competitors'' strategies allowing us to stay ahead of market trends resulting in competitive advantage.
- Reduced employee turnover by fostering a positive work environment and addressing individual needs for growth and development.
- Trained and guided team members to maintain high productivity and performance metrics.
- Managed marketing schedule in the absence of the Area General Manager.
- Identified customer needs and negotiated and closed profitable deals with high success rate.
- Was promoted from Dealer Services Rep to Credit Manager then to Assistant Area General Manager.
Education
High School Diploma -
Marjory Stoneman Douglas High School
Parkland, FLMassage Therapy
American Institute
Coconut Creek, FLSkills
- Credit analysis
- Relationship Management
- Goal-Oriented
- Information Security
- Portfolio Management
- Training and mentoring
- Lending regulations
Languages
English
Full Professional
Spanish
Full Professional
Timeline
Senior Credit Analyst II
GM Financial
09.2011 - Current
Senior Credit Analyst
JM Family,World Omni Financial Corp.
03.2007 - 12.2009
Regional Sales Manager
HSBC Finance Corporation
11.2004 - 02.2007
Assistant Area General Manager
AmeriCredit Financial Services
01.1997 - 11.2004
High School Diploma -
Marjory Stoneman Douglas High School
Massage Therapy
American Institute
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