NICKAYLA MILLS
Dallas,TX
Summary
Commercial Credit Analyst at GM Financial with experience evaluating commercial applications, analyzing financial risk, and supporting informed credit decisions. Skilled in financial analysis, compliance, portfolio monitoring, and data evaluation within fast-paced environments.
Overview
8
8
years of professional experience
Work History
Commercial Credit Analyst II
GM Financial
Arlington, TX
10.2025 - Current
- Analyze commercial credit data and financial statements to identify lending risk and support informed credit decisions.
- Evaluate credit extension requests within authority limits while ensuring compliance with company policies and regulations.
- Monitor dealer portfolio performance, monthly production goals, and risk documentation.
- Collaborate with dealership partners and internal teams to support portfolio growth and risk mitigation.
- Assisted colleagues in resolving complex credit issues through sharing expertise, experience, and knowledge of banking regulations.
Commercial Credit Analyst I
GM Financial
Arlington, TX
08.2024 - 10.2025
- Evaluated commercial credit applications to assess risk levels and make informed decisions on credit approvals or denials.
- Assessed commercial credit applications using financial statements, cash flow analysis, collateral evaluation, and debt service review.
- Performed risk analysis to support credit approvals and denials for commercial lending transactions.
- Maintained compliance with U.S. Patriot Act and internal lending policies through detailed documentation review.
- Supported portfolio management activities by monitoring dealer performance, liquidity, and credit quality trends.
Logistics Coordinator
C.H. Robinson
Southlake, TX
03.2022 - 08.2024
- Coordinated logistics operations and maintained internal tracking systems across multiple accounts.
- Conducted internal control evaluations to minimize operational risk and improve efficiency.
Insurance Claims Specialist
Lynx Services
Irving, TX
08.2018 - 03.2022
- Processed insurance claims accurately, streamlining billing procedures for both patients and the practice.
- Managed high-volume call center environment, handling inbound and outbound calls professionally and efficiently.
Education
Bachelor of Business Administration -
Texas A&M University - Commerce
Commerce, TX12.2022
Skills
- Risk Analysis
- Commercial Credit Analysis
- Financial Statement Analysis
- Portfolio Risk Monitoring
- Data Analysis & Reporting
- Microsoft Excel
- Spreadsheet Modeling
- Regulatory Compliance
- Cash Flow Analysis
- Documentation Review
- Salesforce
- SQL (Basic)
Timeline
Commercial Credit Analyst II
GM Financial
10.2025 - Current
Commercial Credit Analyst I
GM Financial
08.2024 - 10.2025
Logistics Coordinator
C.H. Robinson
03.2022 - 08.2024
Insurance Claims Specialist
Lynx Services
08.2018 - 03.2022
Bachelor of Business Administration -
Texas A&M University - Commerce