Jennifer Flocco
Las Vegas,NV
Summary
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
9
9
years of professional experience
Work History
Credit Analyst
BANK OF AMERICA
01.2006 - 01.2013
- Effectively assess credit risk and client viability by reviewing financial statements and cash flow of customers
- Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
- Assisted in maintaining a diversified portfolio through thoughtful selection of new customers based on rigorous credit analysis standards.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Maintained compliance with applicable regulations and laws governing consumer credit.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Complied with internal controls and government regulations.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Enhanced customer relationships through effective communication of complex financial information, contributing to loyalty and retention.
- Delivered accurate risk ratings by consistently evaluating borrowers'' financial health, competitive positioning, and market dynamics.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Made decisions and recommendations about extending lines of credit.
- Investigated and resolved customer disputes related to credit decisions.
- Worked effectively in fast-paced environments.
- Assessed credit risk and analyzed financial statements.
Client Information Specialist
JPMORGAN CHASE
01.2004 - 01.2006
- Identified client requirements by establishing personal rapport with clients
- Participated in team projects, demonstrating an ability to work collaboratively and effectively.
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Applied effective time management techniques to meet tight deadlines.
- Gained extensive knowledge in data entry, analysis and reporting.
- Skilled at working independently and collaboratively in a team environment.
- Learned and adapted quickly to new technology and software applications.
- Organized, maintained and updated information in computer databases.
- Optimized asset allocation for improved returns with thorough market research and analysis.
- Resolved problems, improved operations and provided exceptional service.
- Improved database integrity by regularly updating records to ensure relevancy and accuracy of information.
- Enhanced data accuracy by meticulously reviewing and correcting errors in spreadsheets and databases.
- Updated and maintained customer information, documents and records.
- Compared transcribed data with source document to detect and correct errors.
- Followed established procedures to enter and process data correctly.
- Maintained strict confidentiality of sensitive client information, ensuring compliance with industry regulations and company policies.
- Managed large-scale data migration projects, ensuring seamless transition between systems without loss of vital information.
- Kept optimal quality levels to prevent critical errors and support team performance targets.
- Developed and maintained courteous and effective working relationships.
Education
Physical Therapy -
Delaware Technical Community College
Dover, DE03.2024
Skills
- Excellent writing skills combined with superior communication ability
- Analytical capacity Research skills Good with numbers/math
- Effective decision-making Commercially adept Team worker
- Superior customer service and interpersonal skills
- Effective under little or no supervision
- Credit analysis
Personal Information
- Relocation: Anywhere
- Title: Credit Analyst
Timeline
Credit Analyst
BANK OF AMERICA
01.2006 - 01.2013
Client Information Specialist
JPMORGAN CHASE
01.2004 - 01.2006
Physical Therapy -
Delaware Technical Community College