MARIA FAJARDO
Orlando,USA
Overview
7
7
years of professional experience
Work History
Credit Analyst
Greentech Renewables
Orlando, USA
03.2022 - Current
- Analyze financial profiles to assess creditworthiness and establish appropriate credit limits ranging from small ($25K), medium ($300K), to large ($1M+), ensuring terms align with market standards and internal policies.
- Manage bilingual (English/Spanish) customer relationships across international markets, including Puerto Rico, South America, and the Caribbean.
- Conduct comprehensive credit reviews to manage credit limits and adjust collection strategies while actively addressing past due actions and resolving disputes.
- Create and maintain reports to track account discrepancies, loan cancellations, and unresolved balances, reconciling thousands of loan accounts across 105+ national sales offices and reallocating misplaced invoices and missing funds.
- Participate in weekly calls with the loan product and sales team to identify operational errors, streamline internal processes, and provide account updates across all regions.
- Deliver account status reports and communicate account-level disputes with sales teams, senior leadership, and partner banks to ensure transparency and accuracy.
- Present credit and loan data to leadership to support informed decision-making and drive sales performance across national and international markets.
Account Representative
State Farm Agency
Tamarac, USA
08.2019 - 03.2022
- Acquired via cold-calling and lead generation for potential clients, acquiring 50 new clients per month, contributing approximately $75,000 worth of revenue per month.
- Conducted comprehensive policy reviews with existing clients, including Spanish-speaking clients, leading to a 25% increase in policy upgrades and an additional revenue of $500 per client.
- Collaborated with the retention team by identifying cross-selling opportunities, contributing to a 20% increase in client retention rate.
- Trained and mentored new hires, reducing onboarding time and improving employee performance.
- Consistently exceeded monthly and yearly sales goals, surpassing targets by an average of 15%.
- Recognized for outstanding sales performance, including receiving the 'Top Sales Representative' honors for consecutive quarters and earning multiple corporate promotions.
Junior Financial Consultant
Florida Financial Advisors
Tampa, USA
01.2019 - 06.2019
- Sources and qualified leads from digital platforms to independently expand the client base.
- Managed and monitored client portfolios enhancing client satisfaction and retention.
- Provided financial literacy and education to clients in both English and Spanish, helping them set financial goals to continuously improve their budgets and long-term savings, including retirement planning.
Education
Bachelor of Science - Accounting and Finance
Florida State University
Tallahassee, FL12.2018
Skills
- Credit analysis
- Risk assessment
- Loan underwriting
- Portfolio management
- Client retention strategies
- Team collaboration
- Training and mentoring
- Relationship management
- Credit risk
- Financial reporting
Languages
English
Native/ Bilingual
Spanish
Native/ Bilingual
Timeline
Credit Analyst
Greentech Renewables
03.2022 - Current
Account Representative
State Farm Agency
08.2019 - 03.2022
Junior Financial Consultant
Florida Financial Advisors
01.2019 - 06.2019
Bachelor of Science - Accounting and Finance
Florida State University
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