Lena Smith
Phoenix,AZ
Summary
Conscientious and organized individual with exceptional time management ability. Personable team player with over 8 years of financial experience, customer service, and interpersonal skills. Highly trained 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
10
10
years of professional experience
Work History
Credit Analyst
Sheffield Financial
08.2019 - Current
- Evaluate multi-industry commercial credit applicants for creditworthiness, assessing complex financial documents, industry/country risks, and payment behavior profiles
- Leverage internal and external data to calculate risk and creditworthiness
- Provide constructive assessments and recommendations within stated risk appetite
- Hold level of credit approval authority and frequently interact directly with applicants
- Communicate proficiently and effectively with senior management to elevate credit issues.
- Promoted positive work environment, fostering cultures of teamwork, collaboration, and continuous improvement among staff members.
Loan Processor II
REGIONAL ACCEPTANCE CORPORATION
08.2019 - 08.2022
- Interviewed new clients for KYC accounts
- Lead processing for pipeline that averaged over $3M in loan closures per month
- Assisted in underwriting, credit risk analysis, negotiations, and closing of new and existing transactions
- Escalated any potential problems that may result in fraud or losses to management and ensure timely filing of UFOs in accordance with company policies and procedures
- Communicated with dealer clients on any outstanding stipulations, verifications, or documents needed to complete processing of loans to certify timely funding of contracts.
- Ensured accuracy of client information, verifying data collected during application process and updating records as needed.
Performance Support Specialist
Tech Solutions Partners
07.2018 - 08.2019
- Resolved 100% of data mismatch issues through development and introduction tools
- Built sustainable relationships of trust through open and interactive communication with internal + external stakeholders
- Developed and updated Key Performance Indicators for each position
- Conducted market analysis to pinpoint B2B and B2C key resources that drove insights to value proposition.
- Attended training programs to deepen professional skillset and assisted in training fellow store associates on existing and new training programs.
- Enhanced team productivity by streamlining processes and implementing time-saving strategies.
Loan Document Specialist III
Wells Fargo
02.2016 - 03.2018
- Managed and prioritized pipeline of minimum 40 contracts to meet required turn times and service levels
- Analyzed auto lending closing needs and negotiated with all parties to ensure each transaction operated seamlessly
- Audited internal contract verification for departments to establish if guidelines were accurately obtained after customer purchase
- Provided concise written and verbal communication to sensitive clients to simplify complex lending requirements
- Elevated accuracy rates through consistent attention to detail when reviewing critical financial documents.
- Collaborated with underwriters to resolve any discrepancies or issues in loan documents, facilitating smooth transactions.
Senior Banker
U.S. Bank
04.2015 - 02.2016
- Adhered to established policies, procedures, and compliance for above satisfactory audit ratings
- Liaised with fraud analyst to dispute inbound calls of unidentifiable financial transactions
- Identified and capitalized on community business opportunities with effective networking
- Supported team of seven with customer questions and completing necessary research on their loans and line accounts.
- Provided exceptional customer service, resolving complex issues promptly to maintain client trust and loyalty.
- Played key role in driving sales targets by proactively pitching new products/services to both existing and prospective clients.
Customer Relations Supervisor
Global Connections®
01.2014 - 04.2015
- Trained new employees on company’s customer service policies, procedures, and best practices
- Identified opportunities to update or improve members booking experience
- Supervised team of 5 to assist in providing trending information to senior management that equipped them with business intelligence for future customer products
- Effectively managed high volumes of inbound and outbound customer inquiries.
- Reduced customer complaints by proactively identifying areas of improvement and implementing changes accordingly.
- Implemented effective communication strategies to maintain strong relationships with clients and stakeholders.
Education
BACHELOR OF SCIENCE - Criminal Justice Administration
University of Central Missouri
Warrensburg, MO05.2025
Skills
- Management
- Credit analysis
- Risk Assessment
- Verbal and written communication
- Loan Documentation
- Cash Flow analysis
- Underwriting
- Data Interpretation
- Customer Relations
- Teamwork and Collaboration
- Relationship Building
- MS Office
- Issue and Complaint Resolution
Timeline
Credit Analyst
Sheffield Financial
08.2019 - Current
Loan Processor II
REGIONAL ACCEPTANCE CORPORATION
08.2019 - 08.2022
Performance Support Specialist
Tech Solutions Partners
07.2018 - 08.2019
Loan Document Specialist III
Wells Fargo
02.2016 - 03.2018
Senior Banker
U.S. Bank
04.2015 - 02.2016
Customer Relations Supervisor
Global Connections®
01.2014 - 04.2015
BACHELOR OF SCIENCE - Criminal Justice Administration
University of Central Missouri
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