Martha Lima
Acton,Massachusetts
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
11
11
years of professional experience
Work History
Spanish Interpreter
Language Line Solutions
Remote
09.2024 - Current
- Responsible for handling calls on demand and rendering the meaning of conversations between Spanish and English speakers in a wide range of industries, including Financial, Health Care, and Insurance.
Commercial Credit Analyst
Fidelity Cooperative Bank
Leominster, MA
08.2015 - 11.2023
- Conducted an in-depth analysis of company financial statements to determine the credit strengths and weaknesses of existing and potential borrowers.
- Reviewed, analyzed, and interpreted credit reports and personal financial statements.
- Performed regular credit reviews and line renewals for existing customers, using financial analysis to evaluate credit risk, and set appropriate terms.
Asset Based Lending Credit Analyst
Wells Fargo Capital Finance (Accountemps)
Fort Lauderdale, FL
12.2014 - 04.2015
- Ensured that financial statements and other month-end reporting items were received and filed timely.
- Analyzed and interpreted company financial data, and collateral data.
- Accurately entered data into trend cards and the system of record to track the behavior of companies.
- Performed weekly and monthly A/R reconciliations.
Commercial Credit Analyst
Leominster Credit Union
Leominster, MA
12.2013 - 10.2014
- Analyzed financial statements and pertinent information to determine the creditworthiness of prospective customers.
- Responsible for underwriting financial transactions involving real estate, working capital, and equipment.
- Generated financial ratios to evaluate customers' financial status, as well as credit history, for new or existing loans.
- Reviewed commercial customer files on a yearly basis to ensure loans were being paid as agreed, insurance and real estate tax bills are up to date, and funds are used as needed if revolving.
Education
MBA -
Southern New Hampshire University
Manchester, NH05.2009
Bachelor of Science - Business Administration
Merrimack College
North Andover, MA05.2005
Skills
- Strong analytical and problem-solving abilities
- Ability to analyze financial statements, balance sheets, income statements and cash flow statements
- Proficient in Microsoft Office Suite, Sageworks and Fiserv DNA platform
Languages
Spanish
Native/ Bilingual
Portuguese
Full Professional
References
References available upon request.
Timeline
Spanish Interpreter
Language Line Solutions
09.2024 - Current
Commercial Credit Analyst
Fidelity Cooperative Bank
08.2015 - 11.2023
Asset Based Lending Credit Analyst
Wells Fargo Capital Finance (Accountemps)
12.2014 - 04.2015
Commercial Credit Analyst
Leominster Credit Union
12.2013 - 10.2014
MBA -
Southern New Hampshire University
Bachelor of Science - Business Administration
Merrimack College
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