Summary
Overview
Work History
Education
Skills
Timeline
Generic

Senora Fowler

Credit Analyst

Summary

Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.

Overview

19
19
years of professional experience
5
5
years of post-secondary education

Work History

Credit Analyst

Hyundai Capital America
07.2023 - Current
  • Assessed credit risk and analyzed financial statements.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Analyzed credit scores to determine borrowers' creditworthiness.
  • Attended credit-related training and conferences to stay informed about industry trends and developments.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.

LEASE END ANALYST

Hyundai Capital America
09.2019 - 07.2023
  • Initiate outbound calls with the intent to contact customers on their lease-end options, obligations, and to promote brand, dealer, and HCA loyalty
  • Receive inbound calls from lease-end customers, servicing accounts relating to end of term process and procedures
  • Deliver an excellent customer experience executing active listening, proper tone and excellent use of business language and anticipating customer wants and needs
  • Performed optimal skills with in quality to gain monthly incentives and bonus
  • Excellent collaboration and team work skills

COLLECTIONS AGENT

Hyundai Capital America
05.2018 - 09.2019
  • Monitored outstanding account balances and determined need for further collections action
  • Negotiated with customers to reach payment agreements
  • Executed collection calls and correspondence to solicit payment on overdue account balances
  • Tracked and resolved discrepancies and past-due balances in accounts
  • Located and monitored overdue accounts, using computers, and variety of automated systems
  • Conferred with customers by telephone or in-person to determine reasons for overdue payments and to review terms of sales, service, or credit contracts

COLLECTIONS REPRESENTATIVE

Kohl's
02.2018 - 05.2018
  • Developed strategies in recovering consumer accounts
  • Maintained research, analysis and evaluation of bankruptcy accounts from commencement to discharge or dismissal
  • Built strong customer relationships through delivering excellent customer service
  • Handled incoming and outbound calls to establish acceptable payment arrangement, and provide an exceptional customer service experience
  • Targeted and executed analysis of multiple accounts with attention to detail

CUSTOMER SERVICE REPRESENTATIVE

Kohl's
08.2017 - 02.2018
  • Monitored outstanding account balances and determined need for further collections action
  • Negotiated with customers to reach payment agreements
  • Executed collection calls and correspondence to solicit payment on overdue account balances
  • Tracked and resolved discrepancies and past-due balances in accounts
  • Monitored accounts and credit reports to identify delinquent and high-risk customers

SECURITY OFFICER

University of Houston
01.2016 - 08.2017
  • Investigated suspicious activity or possessions to safeguard assets and protect employees and guests
  • Patrolled premises regularly to maintain order and establish security presence
  • Secured exits and entrances at end of operations, controlling access to building
  • Performed routine checks of doors, windows, and gates for security breaches
  • Monitored and authorized entrance of vehicles or people to keep property secure
  • Checked surveillance cameras to identify disruptions or unlawful acts
  • Operated company vehicles to patrol large sites

SECURITY OFFICER

Weiser
01.2015 - 01.2016
  • Patrolled premises regularly to maintain order and establish security presence
  • Prepared detailed reports of security incidents and investigations
  • Responded to alarms by investigating and assessing situation
  • Wrote comprehensive incident reports and conducted thorough investigations
  • Provided personal escorts to personnel and visitors upon request
  • Maintained and securely retained series of keys, controlling access to locked areas

Customer Service Sales Representative

Comcast Cable and Xfinity Internet
05.2006 - 07.2014
  • Promoted and sold cable products by effectively displaying professionalism throughout customer interaction
  • Stayed up-to-date with current and emerging communications and entertainment technologies for both the company and its competition
  • Demonstrated skills in billing, tech support and sales
  • Competitive and goal oriented
  • Team player with the ability to work with little to no supervision
  • Proactively reached out to potential clients who had expressed interest in our products or services but hadn''t yet made a purchase decision, nurturing those leads into closed deals eventually.
  • Assisted customers with troubleshooting issues related to their purchases, demonstrating exceptional problem-solving skills and empathy towards their concerns.

Education

No Degree - PRIVATE INVESTIGATION

Ashworth College
Norcross, GA
05.2013 - 01.2016

High School Diploma -

Norman Thomas
Manhattan, NEW YORK
09.1984 - 05.1987

Skills

Microsoft Office

Timeline

Credit Analyst

Hyundai Capital America
07.2023 - Current

LEASE END ANALYST

Hyundai Capital America
09.2019 - 07.2023

COLLECTIONS AGENT

Hyundai Capital America
05.2018 - 09.2019

COLLECTIONS REPRESENTATIVE

Kohl's
02.2018 - 05.2018

CUSTOMER SERVICE REPRESENTATIVE

Kohl's
08.2017 - 02.2018

SECURITY OFFICER

University of Houston
01.2016 - 08.2017

SECURITY OFFICER

Weiser
01.2015 - 01.2016

No Degree - PRIVATE INVESTIGATION

Ashworth College
05.2013 - 01.2016

Customer Service Sales Representative

Comcast Cable and Xfinity Internet
05.2006 - 07.2014

High School Diploma -

Norman Thomas
09.1984 - 05.1987
Senora FowlerCredit Analyst