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