La' Shana Kelly
Novi,Michigan
Summary
Professional with strong foundation in risk assessment, financial analysis, and decision-making. Skilled in evaluating creditworthiness, analyzing financial statements, and managing risk exposure. Adept at fostering team collaboration and adaptable to changing needs to ensure optimal results. Known for precision, reliability, and delivering impactful outcomes in underwriting.
Overview
15
15
years of professional experience
Work History
Credit Risk Underwriter II
TD Bank
10.2021 - Current
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Negotiated terms and conditions of coverage with clients to acquire maximum profitability.
- Studied insurance industry changes, remaining up-to-date with latest trends and protocols.
- Mitigated potential financial losses, closely monitoring high-risk accounts and recommending appropriate actions.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwriting.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Assisted in developing training materials used to educate new hires on essential job functions, contributing to their successful onboarding and integration into the team.
- Maintained strong relationships with third-party vendors involved in the application process, ensuring smooth transactions for all parties involved.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
Credit Risk Analyst Officer
American Credit Acceptance
09.2016 - 09.2021
- Increased market share by identifying and capitalizing on emerging market trends.
- Streamlined internal processes, enhancing operational efficiency and reducing costs.
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
- Built brand awareness in local market and increased penetration with proactive strategies.
- Drove customer satisfaction improvements through the implementation of effective feedback mechanisms and prompt issue resolution.
- Liaised between senior management and front-line team members to implement effective changes and revitalize market growth.
District Manager
Walmart
08.2010 - 09.2016
- Supervised various locations, enforcing high-quality standards of operation.
- Ensured compliance with company policies and procedures as well as federal/state regulations by conducting regular audits of operational practices at each location within the district.
- Boosted employee morale by creating a positive work environment that encouraged teamwork, collaboration, and professional growth opportunities.
- Oversaw successful store openings, coordinating logistics, staffing, training, and promotional efforts to ensure smooth transitions for new locations.
- Developed and executed comprehensive training programs for store managers, resulting in improved employee performance and customer satisfaction.
- Collaborated with senior management on strategic planning initiatives aimed at maximizing profitability while maintaining high standards of quality across the district.
Education
Bachelor of Science - Business Administration And Management
University Of Phoenix
Southfield, MI06-2010
Skills
- Underwriting guidelines
- Analyzing data
- Documentation review
- Risk assessment
- Client relationship building
- Risk management
- Risk mitigation
- Caseload management
- Terms negotiation
- Loan evaluation
- Quality control
Timeline
Credit Risk Underwriter II
TD Bank
10.2021 - Current
Credit Risk Analyst Officer
American Credit Acceptance
09.2016 - 09.2021
District Manager
Walmart
08.2010 - 09.2016
Bachelor of Science - Business Administration And Management
University Of Phoenix
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