Lakesha Roberson
Lewisville,Texas
Summary
Results-driven Credit Analyst specializing in credit risk assessment and collections management, showcasing a proven track record of success.
Overview
28
28
years of professional experience
Work History
Credit Analyst/Accounts Receivable/Vendor Analyst
Freeman
05.2022 - Current
- Evaluated new credit application and established terms. Lending Authority up to 1 million.
- Managed credit risk on approved applications and released credit orders.
- Analyzed Dunn and Bradstreet credit report, financial statement, risk, and collection accounts.
- Handled a high volume of credit applications for decision-making.
- Direct communication with customers and handling sales inquiries related to credit approval.
- Collected on accounts in SAP and the ticketing system. Worked a queue of 100+ accounts.
- Reconciled the entire queue. Mastered my 120-day accounts to 3%.
- Emailed and called the customer to resolve the issue with the queue.
- Placed the account on credit hold and released the customers who paid.
- Maintained an Excel spreadsheet of customers’ accounts current.
- Process legal packets for errors.
- Work with legal to modify complex packets.
- Modify and edit contracts sent to legal for sign-off.
- Handled a high volume of packets and contracts.
- Maintained customer emails and phone calls.
Contract Specialist (Contractor)
Beacon Hill
02.2022 - 05.2022
- Review contracts, collaborate on terms and conditions with legal.
- Performed an audit to ensure the new contract performed as expected.
- Prepared for meetings with legal and stakeholder representatives.
- Negotiated terms with customers to modify or prepare a new contract.
- Created and prepared reports for upper management and stakeholders.
- Prepared reports summarizing key information from executed contracts for senior management review.
- Reviewed and evaluated proposed contract documents to ensure compliance with applicable laws and regulations.
Accounts Receivable/Commercial Collections Analyst (Contractor)
Rose International Vistra
09.2021 - 01.2022
- Collected on a portfolio of accounts 120 days plus delinquent.
- Generated aging report to determine what action to take on each account.
- Evaluation to determine the accuracy of adjustments and credits.
- Research and reconcile 95% of the accounts receivable portfolio.
- Utilized SAP and Salesforce to post cash to eligible accounts.
Credit Analyst (Contractor)
Inframatics MBFS
02.2021 - 05.2021
- Review and evaluate loan applications for approval.
- Conditioned deals and request stipulations or decline.
- Lending Authority up to 100,000.
- Contact the customer to conduct fraud interviews.
- Used several search systems to verify the customer's identity and bankruptcy clearance.
Freelance Paralegal
Integrity Research
01.2020 - 02.2021
- Prepare legal binding contracts.
- Draft legal documents, legal memorandum, contracts, and other legal correspondence.
- Research cases, prepare case briefs, and court documents.
- Conduct investigations and take notes.
Credit Analyst
Tegna Media
06.2019 - 01.2020
- Evaluated new credit applications based on the risk model to determine creditworthiness.
- Evaluated the loan structures in the system by calculating the payments and debt-to-income.
- Analyzed Dunn and Bradstreet, checked references, and reviewed financial statements.
- Perform data entry for submitted written applications.
- Received inbound calls and emails from the sales team about the status of applications.
- Manage a portfolio of contingent accounts and release credit hold. Lending Authority up to 500k.
Accounts Receivable Specialist/Commercial Collections
Safety-Kleen Inc
05.2018 - 06.2019
- Research and reconcile, prepare adjustments of credits, and misapplied cash to accounts.
- Manage accounts receivable portfolio and escalate bad debt write-off for approval.
- Collect overdue payments for accounts over 360 days in arrears.
- Post cash to accounts in the accounting systems such as SAP and PeopleSoft.
- If eligible, the account will be placed on credit hold.
Credit Analyst II/Collections Representative II
Harley–Davidson Financial Services
10.2008 - 05.2018
- Evaluated approvals for consumer and commercial applications.
- Lending authority was up to 300,000.
- Assist dealers with callbacks on applications in the underwriting department.
- Receive collection supervisor calls, trained, and collect on the most complex accounts.
- Allocated accounts for repossession, reviewed, and processed extensions on accounts.
Non-Collateral Collections Representative
AmeriCredit Corporation (GMAC)
11.2007 - 10.2008
- Collect on charge-off accounts, created payment arrangements, and negotiate settlements to repay.
- Achieve and exceed the monthly department targets.
- Proficient in SAP, AS400, Microsoft Excel, Word, and PowerPoint software.
- Assign accounts to the Collateral Department for repossession.
Commercial Credit Analyst/AR Collections Analyst
Fossil Inc
07.2005 - 05.2007
- Generate accounts receivable aging reports, contact customers, and collect overdue receivables.
- Process credit holds in arrears and release the qualified accounts.
- Approved and declined commercial loans for approval on 8,000 small store accounts in a queue.
- Analyze Dunn and Bradstreet reports to determine creditworthiness.
- Performed data entry on a new loan application and evaluated for approval.
- Lending Authority set at 500,000 before the manager's sign-off.
- Utilized accounting systems such as JD Edwards and SAP Applications.
Junior Loan Officer
Apple Tree
12.2002 - 06.2005
- Assess the creditworthiness and eligibility for mortgage loans.
- Analyze credit reports, bank statements, paycheck stubs, and rental history for approval.
- Mastered the ability to use appropriate judgment and logic when recommending loan approval.
- Exceeded Quarterly Bonus Goals.
Credit Investigations Analyst/Collections Representative
Nissan Motor Acceptance Corporation
10.1997 - 10.2002
- Collect accounts 15-44 days in arrears on the automatic dialer system.
- Promoted to the Credit Department to investigate applications for errors and recommend approval.
- Verified employment, fraud alerts, social search, and tax identification numbers.
- Performed Fast Data, Lexis Nexis, Equifax, TransUnion, Experian, and Dunn & Bradstreet.
- Assisted in the Funding Department and the mail room, reviewed imaged applications for missing signatures, scanned original documents into the system, and purged the unused copies.
Education
Juris Master's -
Liberty University
12.2025
Bachelor of Paralegal -
Liberty University
08.2021
Associates of Arts - Business fundamentals
University of Phoenix
09.2018
Skills
- Underwriting Applications
- Works with the Sales and Legal Department
- Edit and modify contracts
- Excellent writing skills
- Collected and underwrote commercial accounts
- Multitasking
- Risk assessment
- Credit scoring
- Loan evaluation
- Credit risk
- Financial statement review
- Credit analysis
- Credit decision making
- Lending regulations
- Verbal and written communication
- Microsoft Office Suite
- Accounts receivable management
- Attention to detail
- Collections management
- Contract negotiation
Accomplishments
- Omega Nu Lambda Honor Society
- The Society for Collegiate Honor Society
Timeline
Credit Analyst/Accounts Receivable/Vendor Analyst
Freeman
05.2022 - Current
Contract Specialist (Contractor)
Beacon Hill
02.2022 - 05.2022
Accounts Receivable/Commercial Collections Analyst (Contractor)
Rose International Vistra
09.2021 - 01.2022
Credit Analyst (Contractor)
Inframatics MBFS
02.2021 - 05.2021
Freelance Paralegal
Integrity Research
01.2020 - 02.2021
Credit Analyst
Tegna Media
06.2019 - 01.2020
Accounts Receivable Specialist/Commercial Collections
Safety-Kleen Inc
05.2018 - 06.2019
Credit Analyst II/Collections Representative II
Harley–Davidson Financial Services
10.2008 - 05.2018
Non-Collateral Collections Representative
AmeriCredit Corporation (GMAC)
11.2007 - 10.2008
Commercial Credit Analyst/AR Collections Analyst
Fossil Inc
07.2005 - 05.2007
Junior Loan Officer
Apple Tree
12.2002 - 06.2005
Credit Investigations Analyst/Collections Representative
Nissan Motor Acceptance Corporation
10.1997 - 10.2002
Juris Master's -
Liberty University
Bachelor of Paralegal -
Liberty University
Associates of Arts - Business fundamentals
University of Phoenix
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