PAUL SIMKO
Credit Analyst
Middleburg Heights,OH
Summary
Energetic professional with a proven record of success over 14 years as a Credit Analyst and 6 years as a Help Desk technician and Support Desk Lead, culminating in over 20+ years working with customers and end users. Seeking to grow professionally and leverage experience.
Overview
2
2
years of post-secondary education
27
27
years of professional experience
Work History
IT Help Desk Technician
Travel Centers Of America
10.2019 - Current
- Deliver IT Support remotely for 240 sites with over 15k employees.
- Delivering quality customer service by providing a single point of contact for reporting technical incidents and inquiries.
- Identify end user incidents and apply proper troubleshooting so incident can be resolved on initial contact or escalate to proper support group utilizing available support tools and technologies.
- Record all activities relating to customer calls and attempt to resolve incidents..
- Coordinate hardware repair and problem resolution with internal support groups and external hardware vendors.
- Verify end users through proper channels to eliminate risk to the corporation.
- Connect remotely to assist users with troubleshooting and problem resolution.
- Regularly follow up on aging tickets assigned.
- Coach team members in techniques necessary to complete job tasks.
IT HELP DESK TECHNICIAN
AMTRUST NORTH AMERICA
11.2016 - 10.2019
- Provide 1st & 2nd level contact and problem resolution for users with hardware and software issues utilizing all available tools and resources.
- Solve problems on Windows platforms with proficiency.
- Escalate problems as appropriate as well as work with department groups following established Service Desk procedures to obtain successful resolution.
- Consistently maintain communication with users during the problem resolution process.
- Provide accurate and timely logging of problems and resolution for problems within ServiceNow.
- Provisioning of AD and admin accounts for users as well as modifying permissions for new hires and existing users.
HOME LOANS SERVICE SPECIALIST II
Bank of America
05.2012 - 11.2013
- Coordinated with Underwriters to ensure compliance with appropriate company, secondary market, and vendor guidelines as well as Freddie Mac and Fannie Mae adherence.
- Provided exemplary customer service to clients during underwriting and fulfillment while managing pipeline of 40-50 home loans.
- Analyzed and reviewed legal documents and customer records to support quality product for the company.
- Coordinated closing process with attorneys, title companies and government clerks.
- Handled any conditions sent from underwriting departments.
- Set up and completed loan submission packages.
- Communicated with originator and applicant concerning progress of loan file.
- NMLS ID 919638
Senior Credit Analyst
Bank Of America
05.2005 - 05.2012
- Reviewed applications for unsecured consumer loans and small business credit cards with lending authority up to 100k.
- Evaluated personal and business credit reports in conjunction with application details, financial statements and customer interviews to determine credit worthiness and risk of each applicant.
- Performed risk analysis and analyzed customer files to determine if risk action was necessary on existing credit card and unsecured accounts.
- Applied judgmental lending principles and ensured compliance with regulatory guidelines.
- Able to thoroughly explain pricing and benefits of product while maintaining customer satisfaction.
- Deepen customer relationships by cross-selling additional credit card, mortgage, and small business credit products.
- Completed annual compliance training ensuring knowledge of anti- money laundering, fraud laws and banking regulations.
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
- Resolved conflicts and negotiated mutually beneficial agreements between parties.
SENIOR CREDIT ANALYST
MBNA Bank
09.2001 - 05.2005
- Reviewed applications for unsecured consumer loans and small business credit cards with lending authority up to 100k.
- Evaluated personal and business credit reports in conjunction with application details, financial statements and customer interviews to determine credit worthiness and risk of each applicant.
- Performed risk analysis and analyzed customer files to determine if risk action was necessary on existing credit card and unsecured accounts.
- Applied judgmental lending principles and ensured compliance with regulatory guidelines.
- Able to thoroughly explain pricing and benefits of product while maintaining customer satisfaction.
- Deepen customer relationships by cross-selling additional credit card, mortgage, and small business credit products.
- Completed annual compliance training ensuring knowledge of anti- money laundering, fraud laws and banking regulations.
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
- Resolved conflicts and negotiated mutually beneficial agreements between parties.
Senior Account Manager
MBNA Bank
08.1999 - 09.2001
- Customer Assistance Senior Account Manager charged with collecting on a portfolio of delinquent credit card accounts from 30 to 180 days past due, and recovery of charged-off accounts.
- Evaluated personal and business credit reports to determine willingness to pay.
- Skip tracing by searching computer databases, credit reports, public records or other resources, such as Lexis Nexis, to locate persons for collection efforts.
- Created payment plans and options and counseled consumers to prevent loan loss and negotiate settlements when appropriate.
- Analyzed and identified client needs and provided solutions.
- Mentored underperforming associates leading to increased productivity.
- Mitigated losses by creating and implementing effective strategies.
- Monitored accounts for compliance with established payment plans and flagged non-compliance.
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
- Contacted customers directly to notify of fraudulent activity and minimize impacts.
Education
Associate of Applied Business - User Support Specialist Major
Lakeland Community College
Kirtland, OH 01.2014 - 01.2016
Skills
Credit decisions
Lending regulations
Credit risk
Verbal and written communication
High risk account reviews
Critical Thinking
Fraud detection
Procedure review
Effective communication
Delinquency monitoring
Credit validations
Financial statement review
Problem-Solving
Relationship building and management
Timeline
IT Help Desk Technician
Travel Centers Of America
10.2019 - Current
IT HELP DESK TECHNICIAN
AMTRUST NORTH AMERICA
11.2016 - 10.2019
Associate of Applied Business - User Support Specialist Major
Lakeland Community College
01.2014 - 01.2016
HOME LOANS SERVICE SPECIALIST II
Bank of America
05.2012 - 11.2013
Senior Credit Analyst
Bank Of America
05.2005 - 05.2012
SENIOR CREDIT ANALYST
MBNA Bank
09.2001 - 05.2005
Senior Account Manager
MBNA Bank
08.1999 - 09.2001