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.