Open To Work
NATALY ALEXANDER
Account Reconciliation Manager
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. Experienced Credit Risk Analyst offering well-developed skills in managing teams, record updates, and financial statement reviews. Mitigate risk in every aspect of credit analysis while working closely with Risk and Fraud departments. My ultimate goal is to work within an organization that has mutual morals and values as myself while continuing increasing my knowledge to make an impact within an innovative company.
Overview
13
13
years of professional experience
Work History
Account Reconciliation Manager
Inhabit IQ
11.2025 - Current
- Conducted regular reviews of account reconciliations to detect trends, patterns, or areas requiring improvement.
- Analyzed complex financial transactions to identify potential errors or anomalies, facilitating prompt resolutions
- Developed and implemented procedures to enhance efficiency in reconciliation workflows.
- Collaborated with cross-functional teams to resolve discrepancies and streamline operations.
- Managed relationships with external auditors during audits and reconciliations for transparency.
- Utilized advanced accounting software for tracking, analyzing, and reporting reconciliation results.
- Established key performance indicators (KPIs) to measure effectiveness of reconciliation processes.
- Evaluated existing controls within the reconciliation process, recommending enhancements where necessary to strengthen compliance efforts.
- Enhanced reconciliation accuracy by implementing automated processes and streamlining workflows.
- Reduced discrepancies in financial data by conducting thorough investigations and resolving issues promptly.
- Assisted in budget preparation by accurately reconciling accounts for timely financial reporting.
- Coordinated with internal auditors and regulatory agencies during audits or examinations, providing necessary documentation and support as needed.
Senior Merchant Credit Underwriter
Upgrade Inc
Atlanta, GA
09.2024 - 11.2025
- Tech start up fast paced experience, working cohesively with various departments from management, fraud, sales, underwriting, marketing, merchant support to accomplish a common goal
- Maintain a positive attitude in a fast changing environment
- Live chat experience with multiple department and slack messages
- Reviewing and analyzing loan applications from potential customers on the Upgrade platform, pull credit reports, and making informed decisions to approve or deny loans while adhering to company policies and regulatory guidelines; strong analytical skills, attention to detail, and the ability to identify potential risks within loan applications.
- Thorough research by evaluating financial documents like income statements and balance sheets
- Extensive research through Experian, Transunion, Equifax, and LexisNexis
- Research thorough google reviews on businesses and BBB Reviews
- Conduct thorough Background checks on Business owners
- Audit Underwriters work for accuracy and recommend areas for improvement
- Create Policies, New Procedures and Workflows
- Proactively explore data and identify opportunities to refine risk management strategies
- Conduct pattern analysis by researching and analyzing risk trends and patterns, provide valuable information for use in building risk-prevention methods
- Define performance metrics and develop reports to monitor risk mitigation performance
- Integrated decision making in the business area considering broader economic P&L, brand and people impact
- Work closely with machine learning team to improve risk models with business insights and past experience
- Work cross-functionally with Fraud, Sales, Risk and, Operations to mitigate risk
- Evaluate innovative data sources to solve individual identity risk and transaction risk
Credit Risk Analyst
Georgia Own Credit Union
Atlanta, GA
01.2024 - 09.2024
- 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
- Process loan applications, verify businesses and credit information, and recommend loan limit
- Comply with KYC, OFAC, BSA, and AML regulations
- Monitors and communicates risk concerns to management
Principal Robotics Credit Analyst
Intuitive Surgical
Peachtree Corners, GA
06.2022 - 01.2023
- Monitored customer accounts to ensure timely payments were made in accordance with loan agreements.
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Adhered to applicable laws, regulations and policies governing consumer lending practices.
Business Lending Credit 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
- 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
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 Anesthesiologists, Nurses, Doctors, Lactation Nurse, Medical Records to translate for patients to create a memorable experience of bringing a child into the world.
Education
Associates of Applied Science - undefined
Georgia State University
Bachelors of Early Education - undefined
Clayton State University
Interpreter Certification
Atlanta, GACPR Certified
Skills
- Financial statement review
- Detail Oriented
- Underwriting
- Punctuality
- Financial analysis
- Thorough research
- Communicative
- Banking operations
- Extensive Research
- Background Checks
- SQL
- Python
- Managing
- Startups
- Team Collaboration
- Cash Flow analysis
- Quantitative Analysis
- Credit decision making
- Loan Documentation
- Information Verification
- Collateral lending
- Power BI
- Epic
- Jack Henry
- Symitar
- Salesforce
- Sas
- DNA
- Google Sheets
- Lexisnexis
- Experian
- Equifax
- Transunion
- Slack
Languages
Spanish
English
Portuguese
Timeline
Account Reconciliation Manager
Inhabit IQ
11.2025 - Current
Senior Merchant Credit Underwriter
Upgrade Inc
09.2024 - 11.2025
Credit Risk Analyst
Georgia Own Credit Union
01.2024 - 09.2024
Principal Robotics Credit Analyst
Intuitive Surgical
06.2022 - 01.2023
Business Lending Credit 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
Associates of Applied Science - undefined
Georgia State University
Bachelors of Early Education - undefined
Clayton State University
CPR Certified
Interpreter Certification