Nicole Majkszak
Plymouth
Summary
Proactive and goal-oriented professional with excellent time management and problem-solving skills. Known for reliability and adaptability, with swift capacity to learn and apply new skills. Committed to leveraging these qualities to drive team success and contribute to organizational growth.
Overview
18
18
years of professional experience
Work History
Credit Analyst
Fifth Third Bank
02.2019 - Current
- Established standard operating procedures for consistent process execution and easy knowledge transfer among team members
- Developed a quality control process including operating procedures to reduce errors in connectivity issues from a Salesforce platform to the different loan servicing systems
- Analyzing and interpreting business and personal financial statements of all types to recreate financial statement reports in a format that represents the bank's credit underwriting and risk evaluation principals
- Spread a variety of commercial customer and prospect financial statements of low to high complexity in accordance with the Bank's guidelines to ensure consistency and accuracy across Lines of business, industries, and regions
- Communicate with portfolio managers and relationship managers knowledge of accounting policies and basic credit underwriting principles that drive spreading guidelines, financial statement reporting requirements and financial covenants
- Skilled at working independently and collaboratively in a team environment.
Business Loan Underwriter
Fifth Third Bank
03.2016 - 02.2019
- Reviewed credit applications to determine best loan structure
- Formulated credit recommendations based on independent research covering real estate loans, term loans, credit card and line of credit products
- Reviewed customers accounts for opportunities to cross sell additional Bank products
- Approved or denied loans based on financial status and credit histories
- Reduced delinquency rates through meticulous evaluation of borrower creditworthiness and adherence to underwriting guidelines.
Indirect Underwriter III
Fifth Third Bank
08.2012 - 03.2016
- Determined appropriateness of approval or denial of automobile loans based on identified risk profiles
- Helped the company maintain profitability by expertly balancing risk and revenue with each determination
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions
- Developed strong relationships with F&I managers, leading to a higher volume of quality submissions and successful underwritings
- Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
- Enhanced customer satisfaction, providing detailed explanations on underwriting decisions and policy benefits.
Collection Representative II
Fifth Third Bank
09.2010 - 08.2012
- Investigated and resolved balances using proactive communication with external and internal customers
- Handled outbound collection telephone calls with consistent service quality and excellent success rate
- Resolved client billing problems by collecting direct payments and setting up payment plans
- Documented each customer interaction in a servicing system
- Brought delinquent accounts current by obtaining ACH and ACC payments via phone
Finance and Insurance
Manistee Ford
05.2007 - 09.2010
- Assisted with sales and delivery of new and used automobiles
- Worked directly with lenders to obtain automobile loan approvals
- Obtained all required lending documentation to ensure timely funding
- Worked well in a team setting, providing support and guidance.
- Passionate about learning and committed to continual improvement.
Restaurant Manager
Ludington Big Boy
05.2007 - 09.2010
- Controlled day-to-day operations with shift management strategies and effective food and labor controls
- Worked with FOH and BOH staff to support superior service delivery
- Developed the weekly work schedule to meet business demands
- Conversed with guests informally to obtain feedback on overall customer satisfaction
- Assisted employees in understanding guest needs, providing guidance and constructive feedback
- Recruited, trained and mentored new staff to deliver top-quality customer service
- Demonstrated leadership, exemplary customer service and friendly, professional demeanor
- Reviewed staffing levels to meet operational needs and financial objectives
- Counted cash and receipts and completed bank deposits
Education
B.A.S - Business Management
Davenport University
Skills
- Customer Focus
- Analytical thinking
- Multitasking capacity
- MS Office
- Problem-solving
- Teamwork
- Financial statement review
- Self motivation
Timeline
Credit Analyst
Fifth Third Bank
02.2019 - Current
Business Loan Underwriter
Fifth Third Bank
03.2016 - 02.2019
Indirect Underwriter III
Fifth Third Bank
08.2012 - 03.2016
Collection Representative II
Fifth Third Bank
09.2010 - 08.2012
Finance and Insurance
Manistee Ford
05.2007 - 09.2010
Restaurant Manager
Ludington Big Boy
05.2007 - 09.2010
B.A.S - Business Management
Davenport University
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