Lekita Yarberry
Garland,TX
Summary
Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Overview
13
13
years of professional experience
Work History
Team Lead Credit Analyst
Octane Lending
11.2020 - Current
- Assist assigned teams to ensure auto loan documents are efficiently processed, with understanding the company objective and work diligently to help the team reach their stated goals and maximize productivity, including assisting other teams throughout the department as needed.
- Made credit decisions based on credit worthiness of the consumer.
- Maintain open lines of communication with all associates throughout the department including managers and team members.
- Actively participates in team related activities and meetings.
- Understand all of the various loan programs, platform functionality, and proprietary decision making engine/mode and be able to provide thorough explanations of declines; and corresponding DTI & PTI caps.
- Evaluate the information on loan application against various lending standards to determine if the loan applicant should receive the loan amount requested and closely inspect application documentation for suspicious or fraudulent activity.
- Handle all escalations in a timely and orderly manner.
- Identify potential fraud and red flags, complete review of applications and documents in question and suggest resolution.
Credit Analyst
Skopos Financial
02.2016 - 11.2020
- Gathered loan documentation for underwriting.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Made decisions and recommendations about extending lines of credit.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Assessed credit risk and analyzed financial statements.
Funding Analyst
Exeter Finance
03.2010 - 02.2016
- Created and maintained precise and accurate models, charts and reports.
- Assisted in preparation of presentations, data tables and other documents for investor meetings.
- Generated comprehensive reports on portfolio performance and risk assessment.
- Developed financial projections and forecasts to guide investment decisions.
Education
Bachelor of Science - Business Management/ Criminal Justice
Texas Southern University
Houston, TXSkills
- Industry Best Practices
- Verbal and Written Communication
- Workflow Processes
- Operational Improvements
- Credit Risk Analysis
Timeline
Team Lead Credit Analyst
Octane Lending
11.2020 - Current
Credit Analyst
Skopos Financial
02.2016 - 11.2020
Funding Analyst
Exeter Finance
03.2010 - 02.2016
Bachelor of Science - Business Management/ Criminal Justice
Texas Southern University
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