Rosa Rios
Nampa,ID
Summary
Financial Analyst with a proven ability to navigate complex lending regulations and execute thorough risk assessments. Expertise in financial statement analysis and effective communication resulted in improved portfolio quality at Citibank, NA. A proactive approach to credit decision-making and high-risk account reviews has enhanced compliance and customer satisfaction and is committed to transforming challenges into opportunities within the financial sector.
Overview
11
11
years of professional experience
Work History
Credit Analyst
Citibank, NA
Meridian, ID
06.2016 - Current
- Adhered to applicable laws, regulations, and policies governing consumer lending practices.
- Communicated regularly with borrowers throughout the application process.
- Monitored economic indicators and regulatory changes that could impact credit portfolios.
- Collaborated with credit associations and business representatives to exchange valid credit information.
- Provided excellent service and attention to customers through phone conversations.
- Maintained updated knowledge through continuing education and advanced training.
- Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
Collections Manager
Crazy Frog Pest Control
Boise , ID
06.2015 - 06.2016
- Oversaw and trained new employees on collection methods, documentation requirements, and performance strategies.
- Resolved escalated disputes between customers and the company concerning collections matters.
- Analyzed customer payment trends and developed strategies to reduce overdue accounts.
Loan Originator
Gentry Finance
Boise , ID
01.2014 - 06.2015
- Researched investor guidelines and kept up to date on program changes that affected loan processing or origination.
- Reviewed customer accounts to determine compliance with on-time payments and loan terms.
- Executed loan origination process and ordered credit reports, appraisals, and preliminary title reports.
Education
Bachelor of Science - Political Science
Boise State University
Boise, ID12-2024
Skills
- Debt service models
- Lending regulations
- Risk assessment
- Financial statements expertise
- Oral and written communications
- Judgmental lending
- High risk account reviews
- Credit decision making
Accomplishments
- Dean's List
Timeline
Credit Analyst
Citibank, NA
06.2016 - Current
Collections Manager
Crazy Frog Pest Control
06.2015 - 06.2016
Loan Originator
Gentry Finance
01.2014 - 06.2015
Bachelor of Science - Political Science
Boise State University
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