Summary
Overview
Work History
Education
Skills
Training
Highlightofqualifications
Timeline
Generic
Myiesha Charles

Myiesha Charles

Fort Worth,Texas

Summary

Analytical professional with strong background in financial modeling and risk management. Skilled in providing financial consultations and solutions for businesses of all sizes. Astute candidate develops new strategies and processes to optimize financial operations.

Possesses versatile skills in project management, problem-solving, and collaboration. Brings fresh perspective and strong commitment to quality and success. Recognized for adaptability and proactive approach in delivering effective solutions.

Results-oriented achiever with proven ability to exceed targets and drive success in fast-paced environments. Combines strategic thinking with hands-on experience to deliver impactful solutions and enhance organizational performance.

Overview

22
22
years of professional experience

Work History

Credit Underwriter

JPMorgan Chase
01.2024 - Current
  • Analyze financial statements, evaluate creditworthiness, utilize underwriting software, identify credit strengths and weaknesses, verify income and debt information, calculate risks

Account Manager

Mercedes Benz Financial Services via Cornerstone Staffing
01.2021 - 01.2024
  • Negotiate payment plan on high-risk consumer and fleet loan accounts ranging from 45-120 dpd, collect via Dialer system as needed, collect skip and service First Payment Default loans, skip trace using TLO Accurint LexisNexis Google and Social Media, manage repossession process through internal systems and vendor sites, adhere to all collections policies and regulatory procedures, educate and process voluntary surrender request

Loan Officer

Flagship Credit Acceptance
01.2018 - 01.2021
  • Managed a portfolio of accounts over $4.5 million which includes late stage accounts delinquent 60-90 days past due, execute and follow strategies to assist in meeting department delinquency, negotiated and cured accounts and reasonable payment arrangements within corporate guidelines, ensure compliance to FDCPA standards and meet company policy procedures, maintain the integrity of the company policies and procedures, which is to treat every customer with the highest level of respect, both internal and external, directly responsible for building and maintaining relationships with internal/external customer and to enhance the company collections efforts

Late Stage Auto Collector

Santander Consumer USA
01.2010 - 01.2018
  • Receive inbound calls and make outbound calls as assigned, follow FDCPA, ACA, FTC, and State compliance guidelines, escalate calls as required, service and update accounts (Bankruptcy, liens, settlements, SCRA, POA requests, 3rd party authorizations, voluntary surrender, deceased, auto dialer, phone error exclusions, adhere to PFC Core Values, Mission and Vision Statements, maintain the integrity of the company policies and procedures to adhere to the Fair Debt Collections Practice Act (FDCPA), strong analytical, organizational, time management and multi-tasking skills

Customer Service Assistance

Prospect America
01.2003 - 01.2010
  • Receive inbound calls and make outbound calls as assigned, resolution of escalated complaints, assist with the set up process for equipment financing for corporate accounts, maintaining confidentiality of corporate account information of both internal and external customers, develop and training of new employees to the company, team player and driven to assist in increasing company profit

Education

Associate Degree -

Tarrant County College
Fort Worth, Texas
01.2013

Skills

  • Credit decision making
  • Documentation Review
  • Credit analysis
  • Cash Flow analysis
  • Application status reviews
  • Portfolio Management
  • New Client Acquisition
  • Regulatory Compliance

Training

  • Successful completion of Flagship Credit new hire training
  • Successful completion of Santander Consumer, USA new hire training
  • Successful completion of Mercedes Benz Financial Services new hire training
  • Successful completion of JPMorgan Chase new hire training

Highlightofqualifications

  • Experienced in credit/collections and portfolio management
  • Highly effective in organizing workflow and effective communication to minimize losses for the company.
  • Strong analytic and problem solving abilities
  • Exceptional communication and interpersonal skills
  • Computer literate: Microsoft Office, (Word, Excel, PowerPoint, and Outlook), Collection Software- My Sup, Cars, Citrix, Shaw, LexisNexis, Accurint, Byte, Encompass, Pega, Optika, TLO, FAW, SLD, WEM, iNNOVIS

Timeline

Credit Underwriter

JPMorgan Chase
01.2024 - Current

Account Manager

Mercedes Benz Financial Services via Cornerstone Staffing
01.2021 - 01.2024

Loan Officer

Flagship Credit Acceptance
01.2018 - 01.2021

Late Stage Auto Collector

Santander Consumer USA
01.2010 - 01.2018

Customer Service Assistance

Prospect America
01.2003 - 01.2010

Associate Degree -

Tarrant County College

Similar Profiles

CREATE PROFILE
Myiesha Charles