Summary
Overview
Work History
Education
Skills
Websites
Accomplishments
Work Availability
Work Preference
Quote
Timeline
OfficeManager
PHILIP VILLALOBOS

PHILIP VILLALOBOS

Credit Analyst III
Horizon City,TX

Summary

Seasoned Credit Analyst with experience in evaluating credit data and financial information. Proficient in interpreting complex financial documents and creating credit risk assessments. Known for analytical skills, problem-solving abilities, and sound judgment to guide decision-making processes. Contributed to risk management strategies in previous roles.

Overview

11
11
years of professional experience

Work History

Credit Analyst III

Firstlight Federal Credit Union
El Paso, USA
08.2022 - Current
  • Max Approval Authority, $150k for auto loans and up to $50k for personal unsecured loans and credit cards
  • Maintained current knowledge of relevant regulations, laws, and best practices within financial industry
  • Reviewed credit applications to determine best loan structure
  • Analyzed financial statements and credit reports to assess creditworthiness of loan applicants

Underwriter / Indirect Buyer

One Source Federal Credit Union
El Paso, USA
09.2021 - 08.2022
  • Reviewing of loan applications sent by dealerships and branches making a sound decision on extending credit
  • Visiting dealerships to review quarterly promotions and any rate changes as well as doing onsite credit assessments for applicants in present time

Indirect Buyer

One Main Financial
Tempe, USA
05.2017 - 09.2021
  • Evaluate consumer credit reports from all 3 major credit bureaus and understanding State & Federal regulations pertaining to consumer lending
  • Reviewed financial statements, credit reports, and other relevant documents to assess financial stability of potential borrowers
  • Provided guidance to less experienced team members on complex transactions or difficult credits
  • Collaborated with sales representatives and relationship managers to gather additional information needed for credit analysis

Assistant Branch Manager

TruStone Financial FCU
Golden Valley, USA
05.2014 - 05.2017
  • Coached and built the team by evaluating and offering constructive feedback to personnel.
  • Investigated customer complaints thoroughly and resolved issues in timely manner
  • Coordinated with other departments on joint projects or initiatives
  • Set performance goals for staff members and provided ongoing feedback
  • Ensured adherence to company policies and industry regulations at all times
  • Maintained clean, safe, and welcoming branch environment for customers and employees
  • Oversaw hiring process, ensuring skilled and diverse workforce

Education

Associates Degree - Business Management

Rasmussen College
Eden Prairie, MN

Skills

  • Financial Risk
  • Detail-Oriented
  • Microsoft Office
  • Analytical Thinking
  • Goal Oriented
  • Banking Operations
  • Banking regulations
  • Oral and written communications
  • Credit risk assessment
  • Credit analysis

Accomplishments

  • Supervised team of 13 staff members.
  • Used Microsoft Excel to develop inventory tracking spreadsheets.
  • Resolved product issue through consumer testing.

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Work Preference

Work Type

Full Time

Work Location

RemoteHybrid

Important To Me

Career advancementWork-life balanceCompany CultureWork from home optionPersonal development programs

Quote

Risk comes from not knowing what you are doing.
Warren Buffett

Timeline

Credit Analyst III

Firstlight Federal Credit Union
08.2022 - Current

Underwriter / Indirect Buyer

One Source Federal Credit Union
09.2021 - 08.2022

Indirect Buyer

One Main Financial
05.2017 - 09.2021

Assistant Branch Manager

TruStone Financial FCU
05.2014 - 05.2017

Associates Degree - Business Management

Rasmussen College

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PHILIP VILLALOBOSCredit Analyst III