Maryann Rush
Credit Analyst
Bellmawr,NJ
Summary
Meticulous Credit Analyst promoting a background in credit bureau report reviews and communicating with commercial clients. Experienced in credit approvals and limits. Offering a successful career history spanning more than 24 years. Polished Senior Credit Analyst entrusted with managing large portfolios. Possessing strengths in decision making and risk assessment. Looking for a challenging position at an exciting organization. Meticulous Credit Analyst promoting a background in credit bureau report reviews and communicating with commercial clients. Experienced in credit approvals and limits. Offering a successful career history spanning more than 24 years.
Overview
29
29
years of professional experience
Work History
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.
Education
Some College (No Degree) - Accounting
Harris School of Business - Cherry Hill
Cherry Hill, NJ04.1994
Rowan College At Gloucester County
Sewell, NJSkills
- Dun & Bradstreet
- Cash Flow Analysis
- Verbal and Written Communication
- Financial Statement Review
- Consumer Credit Reports
- Credit Risk Analysis
- Merchant Services Liason
- Microsoft (Excel, Word)
- Proficient in Axapta/Dynamics
- Lean Office
- Cash Application
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
The way to get started is to quit talking and begin doing.
Walt Disney
Timeline
Senior Credit Analyst
DIY Media Group
09.1994 - 05.2023
Some College (No Degree) - Accounting
Harris School of Business - Cherry Hill
Rowan College At Gloucester County
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