Nataly Alexander
Atlanta,GA
Summary
Accomplished leader in Commercial and Consumer credit underwriting with a focus on detailed analysis, industry knowledge, collaboration, impactful communication, customer satisfaction, and continuous improvement. Demonstrated ability to meet deadlines and contribute as an influential team member. Proficient in leveraging technology for enhanced performance. Seeking new opportunities for growth within an innovative organization.
Overview
13
13
years of professional experience
Work History
Credit Risk Analyst
Georgia Own Credit Union
Atlanta, GA
01.2024 - Current
- Spread financial statements and tax returns for businesses and individuals with the accurate placement of figures from financial statements and tax returns into spreading software Sageworks, Jack Henry Symitar, Salesforce, and DNA.
- Process loan applications, verify businesses and credit information, and recommend loan limits.
- Comply with KYC, OFAC, BSA, and AML regulations.
- Monitors and communicates risk concerns to management.
- Assists and determines needed risk management system enhancements, and serves as a resource for determining and validating proposed system enhancements.
- Monitors derogatory financial condition, transaction risk and any decline in existing members financial Condition
- Communicate to management concerns
- Reviews and approves changes to members' accounts, modifying and renewing loans as needed.
- Interact with internal and external auditing groups to ensure risk and regulatory compliance.
- Develop, apply, and evaluate regulatory policies and procedures for the department; ensure that staff comply with policies and procedures and understand changes in requirements; maintain a thorough knowledge of policies and procedures and trends in the credit union industry, with particular attention to the Bank Secrecy Act, Patriot Act, and robbery procedures.
- Perform other duties as may be assigned.
Robotics Principal Credit Analyst
Intuitive Surgical
Atlanta, GA
06.2022 - 01.2024
- Perform routine credit evaluations and analysis for existing customers and new opportunities as driven by our Sales teams
- Identify process improvement opportunities to drive efficiencies and that will allow us to scale our accounting systems and financial reporting processes so that we can build a best-in-class back-end process that provides best-in-class customer service
- Host customer calls to review financial statements, review ROI models and customer business plans, and discuss concerns of credit risk scenarios
- Work closely with the Collections, Billing, Lease Accounting, and Customer Finance teams to ensure that we adequately analyzed and assessed credit exposure on a contract-by-contract and lease portfolio basis
- Provide in-depth reporting on our credit portfolio and predictive analysis on future customers
- Work closely with AR, Lease Accounting, and Tax to provide Customer Finance the information required to engage with the Customer appropriately
- Assist with system design changes, and perform user acceptance testing
- Develop and maintain Credit worklists, reporting needs, and metrics to report to the Credit Supervisor and/or Sr
- Manager of Accounts Receivable
- Support Credit Supervisor & Sr
- Manager Accounts Receivable & other leads in Month-end close processes
- Support Credit Supervisor, Sr
- Manager Accounts Receivable and Collections team with prioritization & escalations of collection/credit risk issues
- Identify and track critical/in default customers that correspond to our Credit Management policy
- Maintain and provide support documentation in relation to SOX controls to assist the Sr
- Manager Accounts Receivable
- Assist with non-standard or ad-hoc process questions
- Perform collection duties as needed.
Credit Risk Analyst
Atlanta Postal Credit Union
Atlanta, GA
07.2019 - 06.2022
- Drive analysis and examine data to determine the riskiness of potential loans for businesses and individuals
- Leverage technology and tools to create a straightforward financial story and quantify their strengths and weaknesses
- Provide feedback on analysis from other employees to increase their effectiveness and adoption of best practices
- Review work and collaborate with junior and senior team members to ensure accuracy, decrease risk, and ensure a comprehensive examination
- Evaluate Tax Returns, including Personal, Business, Commercial, Industrial, and International
- Stay up to date with new updates on credit analysis with Abrigo, Epysisys, Moody’s, Jack Henry systems, Symitar and Sageworks
- Establish the appropriate rate and conditions of offering to achieve revenue, membership, and margin goals
- Produce accurate quotes in compliance with underwriting and authority guidelines and state and federal laws
- Lead peer review to ensure accuracy and appropriateness of quotes
- Strategize with internal customers on implications of decisions on business outcomes
- Position Underwriting is an integral partner in the creation of effective business solutions
- Implement strategies to optimize business results such as retention and growth targets while mitigating risk
- Anticipate key business, marketplace, and competitor dynamics in developing and managing policies and processes to create excellent customer service and further strategic goals
- Partner with Sales/Account Management teams to boost business opportunities and efficient solutions
- Support firm in areas of rate actions, benefit structure, and customer engagements
- Launch new policies, procedures, and methodologies to adjust operations to changing industry demands
- Direct continuous process improvement programs to increase profitability
- Cultivate and foster effective business relationships with Sales and Account Management
- Execute a business plan that drives maximum growth
- Enhances business potential with purchasers, brokers, and consultants
- Meet established department turnaround goals by balancing deadlines
- Develop solutions that increase credibility with customers, Sales/Account Management, and external customers
- Acquire and exhibit knowledge of the external business environment to add value
- Serve as a member of the organization's green team.
Credit Analyst
Alexander Multiservice LLC
Lilburn, GA
03.2015 - 07.2019
- Performed complete risk assessment on both commercial and consumer loan requests
- Acted as outsourced credit underwriter for local community bank
- Utilized Cash Flows and Risk ratings for commercial and personal properties
- Assessed and make decisions about customers' credit applications on commercial properties using a range of criteria
- Criteria included debt/income ratio, stress testing; customer payment history, and overall customer creditworthiness
- Prepared credit memo for presentation to loan committee
- Verified and processed mortgage documents, prepared for closing with attorneys a realtor
- Assisted clients with limited English proficiency.
Medical Interpreter
North Fulton Hospital
Roswell, GA
02.2013 - 03.2015
- To Provide Interpretation for Doctors and Nurses for Spanish patients
- Work as a Liaison between the Financial Department, Wound care, Emergency room, Psych ward
- Work with attorneys to translate for Spanish speaking clients for Workers Compensation
- Work Cohesively with Labor and Delivery and assist Anesthesiologist, Nurses, Doctors, Lactation Nurse, Medical Records to translate for patients to create a memorable experience of bringing a child into the world
- Build relationships with Doctors and Nurses to create a seamless experience for the patient
- Manage and work with many patients at the same time will balancing time management
- On Occasion work with Primary care doctors on Upper Hembree Rd that partners with the Hospital network
- Stay on top off Cpr certifications and assist in peak hours by work overtime and being flexible with my shifts to accommodate others
- Provide Interpretation over the phone for Spanish, Portuguese and French Speaking clients
- Create a great experience for the client.
Underwriter
Kaiser Permanente
Atlanta, GA
06.2011 - 07.2013
- Review and correct codes in Epic systems
- Underwrite benefits for various groups while working closely with benefits departments
- Work closes with Account executives when new groups are being created into the system
- Work with various departments to fix any known issues with specific groups
- Make Recommendations for implementations to management for changes to be made to underwriting guidelines, procedures
- Review application for eligibility based on admitted health history, Product, State or filing
- Review request for policy changes and reinstatements to determine eligibility
- Maintain Positive relationships with out internal and external customers through effective Written and verbal communication skills, including agents, proposed insured and State Departments of Insurance
- Review request for policy changes and reinstatements to determine eligibility.
Education
Associates of Applied Science -
Georgia State University
Bachelors of Early Education -
Clayton State University
Skills
- Financial statement review
- Customer Relations
- Data Compilation
- Underwriting
- Team Work
- Investigative research
- Financial analysis
- Thorough research
- Communicative
- Banking operations
- Cash Flow analysis
- Report Analysis
- Data Interpretation
- Risk Assessment
- Data Analysis
- Investment Analysis
- Goal-Oriented
- Financial Forecasting
- Verbal and written communication
- Market Trend Analysis
- Statement Review
- Quantitative Analysis
- Credit decision making
- Loan Documentation
- Information Verification
- Risk mitigation strategies
- Relationship Management
- Thorough Background checks
- Risk analysis
- Data entry
- Technology driven data
- Judgmental lending
- Banking regulations
- Collateral lending
- Proficient in the following software's:
- Power BI
- Epic
- Jack Henry
- Symitar
- Salesforce
- Sas
- DNA
Languages
Spanish
Native/ Bilingual
English
Full Professional
Portuguese
Elementary
Timeline
Credit Risk Analyst
Georgia Own Credit Union
01.2024 - Current
Robotics Principal Credit Analyst
Intuitive Surgical
06.2022 - 01.2024
Credit Risk Analyst
Atlanta Postal Credit Union
07.2019 - 06.2022
Credit Analyst
Alexander Multiservice LLC
03.2015 - 07.2019
Medical Interpreter
North Fulton Hospital
02.2013 - 03.2015
Underwriter
Kaiser Permanente
06.2011 - 07.2013
Associates of Applied Science -
Georgia State University
Bachelors of Early Education -
Clayton State University
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