Maryann Rush

Senior Credit Analyst

DIY Media Group

Pennsauken, NJ

09.1994 - 05.2023

Reviewed and analyzed financial statements to assess creditworthiness of potential customers.
Identified and monitored risks associated with customer accounts.
Developed credit policies and procedures for loan origination, underwriting, servicing, and collections processes.
Prepared monthly reports on portfolio performance for senior management review.
Performed reviews of existing customer accounts to identify any changes in risk profile or payment trends.
Drafted credit recommendations based on findings from financial statement analysis and other sources of information.
Negotiated terms with customers to ensure that the bank's interests were protected while still providing a competitive product offering.
Maintained relationships with internal departments such as sales teams, legal advisors, operations personnel and external organizations such as vendors or auditors.
Reviewed customer financial data to ascertain level of risk involved for extending credit.
Met with upper management and provided insight into credit decisions.
Requested financial documents from customers.
Developed debt collection protocols applicable to delinquent accounts, defining timelines for courtesy calls and referral of problem accounts to debt collectors.
Handled customer service correspondence from clients, assisting with application completion, explaining qualification criteria and resolving complaints.
Assessed customer credit files regularly to review receivables.
Reconciled customer accounts to identify delinquencies or disputes, documenting root causes.
Negotiated payment plans with customers, achieving sales and cash flow objectives.