Kristi Rous
Twin Lakes,WI
Summary
Agile and dedicated Financial Analyst with a demonstrated history of working in a broad range of industries. Extensive experience in financial analysis and risk management delivering successful go-to-market initiatives while building strong relationships. Committed to driving growth by harnessing the power of data, market potential, and consumer insights.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Financial Analyst
Uline
08.2023 - Current
- Review monthly Human Resources financial activity to identify key trends and variances
- Conduct detailed financial analysis to identify and evaluate changes in operations, trends and potential areas of improvement
- Partner with Human Resources management and Finance to develop and review the annual budget and forecast
- Perform various adhoc requests while supporting Uline branches
Commercial Wholesale Specialist
VW Credit
09.2022 - 08.2023
- Assisted with reconciliation and reporting of wholesale inventory audits, take overs and take outs
- Reviewed audit results to determine compliance with audit procedures and payment policies
- Communicated areas of concern to Risk and Sales Leadership in relation to audits, payment trends and dealer operations
- Assisted with preparation in sending legal documents and ensuring they are signed and returned
Region Operations Analyst
VW Credit
09.2021 - 09.2022
- Processed wholesale transactions on a daily basis
- Reconciled wholesale inventory take-over and take-outs
- Assisted with dealer training initiatives including paperwork preparation and procedures
- Communicated and assisted Dealers, Sales, Outside Departments in preparation of floorplan transactions
Credit Analyst to Enhanced Credit Specialist
VW Credit
06.2019 - 09.2021
- Operated with an increased authority level, including supervisor sign off and high line vehicles up to $250,000
- Resolved escalated calls, maintaining strong client relationships and reducing customer escalations
- Served as point person for internal audits
- Contributed to various projects aimed at streamlining processes and increasing efficiency, including leveraging automation through implementation of a bot
Credit and Funding Training and Quality
VW Credit
08.2018 - 06.2019
- Identified trends, knowledge gaps, and training opportunities, leading to the development and implementation of targeted training programs
- Presented comprehensive deal reviews to Credit buyers, enhancing their understanding of credit analysis, and fostering consistent decision-making
- Conducted quality checks for the Originations Department, maintaining a 95% accuracy rate and ensuring adherence to standards
- Facilitated the seamless onboarding of new hires, ensuring a smooth transition and optimizing their integration into the team
Credit Representative Promoted to Analyst
VW Credit
01.2016 - 08.2018
- Effectively communicated with dealer personnel regarding a credit decision
- Managed a monthly average of 450 calls while responding to a monthly average of 375 dealer inquiries in a timely manner
- Served as a mentor for the Midwest Region new hire
- Played a pivotal role in reviewing and optimizing processes to increase operational efficiency
- Assessed client creditworthiness by reviewing financial statements, bank references, and conducting industry research for accurate decision making
Funding Auditor
VW Credit
04.2014 - 09.2016
- Analyzed contract terms to be compliant with Federal Regulations and funded approximately $225,000 per hour
- Assisted with building a knowledge based in Salesforce, optimizing information accessibility, and improving process efficiency
- Managed multiple concurrent audit engagements, prioritizing tasks to meet deadlines without compromising quality
- Developed strong relationships with clients, building trust and ensuring a high level of satisfaction during the audit process
Quality Analyst
VW Credit
04.2013 - 04.2014
- Coached and mentored new representatives until an acceptable level of proficiency was achieved
- Acted as a liaison between departments and dealers, fostering effective communication and collaboration
- Assisted upper management by proposing solutions and resolving issues within 48 business hours
- Enhanced customer satisfaction by addressing and resolving complaints in a timely manner, demonstrating commitment to exceptional service
Customer Care Phone Representative
VW Credit
12.2010 - 04.2013
- Inquired into customers needs and concerns/processed changes such as payments, registration/title, termination options
- Effectively managed over 10,000 calls
- Navigated tools, multitask, and provide accurate information
- Served as a Side by Side trainer, providing valuable feedback and support to new hires
Education
Bachelor of Science in Public Health -
Northern Illinois University
DeKalb, IL2010
Skills
- Risk/ Portfolio Management
- Partnerships & Negotiations
- Fraud Mitigation
- Credit analysis
- Analytical Acumen
- Performance Management
- Process engineering and continuous improvement
- Cross - Functional Team Leadership
- Problem Solving
- Financial statement analysis; month end reporting, payment trends, and reconciliation
- Cross Functional Collaborator
- MS Office Suite
- Research and Data Analysis
- Database – Loan Originations System, Lexis Nexis Risk Management Solution, Salesforce, Business Objects, Wholesale Intelligence, Audit Intelligence, Netdocs, DocuSign, Workday, SQL Server
Certification
- Microsoft Excel, Pivots & Macros, Uline, 04/2024
- SQL, Uline, 05/2024
- Access, Uline, 05/2024
- Crucial Conversations, Volkswagen Credit, Inc., 08/2012
- Microsoft Excel, Volkswagen Credit, Inc., 11/2017
- Leadership Fundamentals, Volkswagen Credit, Inc., 09/2021
Timeline
Financial Analyst
Uline
08.2023 - Current
Commercial Wholesale Specialist
VW Credit
09.2022 - 08.2023
Region Operations Analyst
VW Credit
09.2021 - 09.2022
Credit Analyst to Enhanced Credit Specialist
VW Credit
06.2019 - 09.2021
Credit and Funding Training and Quality
VW Credit
08.2018 - 06.2019
Credit Representative Promoted to Analyst
VW Credit
01.2016 - 08.2018
Funding Auditor
VW Credit
04.2014 - 09.2016
Quality Analyst
VW Credit
04.2013 - 04.2014
Customer Care Phone Representative
VW Credit
12.2010 - 04.2013
Bachelor of Science in Public Health -
Northern Illinois University
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