Sandra M. Black
Chandler,AZ
Summary
Professional financial analyst with comprehensive understanding of credit risk management and financial analysis. Known for effectively supporting teams to achieve strategic objectives and adapt to evolving business needs. Valued for analytical acumen, collaborative approach, and reliability.
Overview
16
16
years of professional experience
Work History
Sr. Credit Analyst II
GM Financial
04.2023 - Current
- Analyze credit applications and financial data to determine lending risk and approval recommendations.
- Promoted to Credit Analyst II within the first year based on performance and credit expertise.
- Serve as designated primary buyer for dealerships seeking floorplan financing with GM Financial.
- Develop dealer relationships that support portfolio growth while maintaining credit quality standards.
- Train and mentor new analysts while providing ongoing credit policy guidance to team members.
- Act as Credit Manager during leadership absences, assisting with escalations, credit decisions, and operational support.
- Collaborate with management to ensure consistency in underwriting decisions and policy application.
Lender Relationship Coordinator
Shift Technologies
09.2021 - 03.2023
- Managed a funding portfolio exceeding $10 million in monthly volume.
- Served as primary liaison between lending partners and internal departments to facilitate efficient funding operations.
- Created and implemented an online finance and funding procedures manual that improved operational consistency.
- Delivered lender and funding process training to Finance Specialists and Loan Analysts.
- Supported hiring efforts through candidate interviewing and onboarding activities.
- Resolved escalated deal, funding, and customer concerns while ensuring compliance standards.
- Partnered with accounting teams to resolve cancellations and aged funding issues.
- Developed reporting tools and analyzed monthly sales data to support management decision-making.
- Maintained strong lender relationships that improved deal flow and approval opportunities.
Underwriter II
Chase / Subaru Motors Finance
08.2019 - 09.2021
- Promoted within the first year and entrusted with management of a dedicated dealer portfolio.
- Evaluated loan applications, credit reports, income documentation, and financial information to determine creditworthiness.
- Verified borrower income, assets, tax records, and supporting documentation.
- Partnered with dealerships to resolve stipulation and funding issues while maintaining service standards.
Senior Retail Loan Processor I
Bank of America
06.2017 - 10.2018
- Processed high-volume prime auto loan applications in a fast-paced lending environment.
- Verified borrower financial information, income, assets, and credit documentation.
- Partnered with underwriting and sales teams to reduce processing delays and improve customer service.
Credit Analyst III
Bank of America
03.2011 - 05.2016
- Analyzed credit requests and issued real-time lending decisions.
- Evaluated credit reports, financial information, and borrower profiles to assess risk.
- Worked directly with customers and business partners to obtain required documentation.
- Collaborated with compliance, legal, and operational teams to maintain lending standards.
- Served as liaison for Office of the President complaints, resolving escalated customer concerns and credit-related disputes.
Skills
- Loan structuring
- Credit decisions
- Credit risk
- Credit scoring models
Timeline
Sr. Credit Analyst II
GM Financial
04.2023 - Current
Lender Relationship Coordinator
Shift Technologies
09.2021 - 03.2023
Underwriter II
Chase / Subaru Motors Finance
08.2019 - 09.2021
Senior Retail Loan Processor I
Bank of America
06.2017 - 10.2018
Credit Analyst III
Bank of America
03.2011 - 05.2016