s D
Oak Park,CA
Summary
Highly motivated and goal-driven financial professional skilled in collecting, monitoring and studying data to analyze financial status and recommend business strategy. Experienced in qualitative and quantitative analysis, contract management and forecasting. Tech-savvy in use of spreadsheets, accounting and financial management software.
Overview
6
6
years of professional experience
Work History
RETAIL CREDIT ANALYST
TD AUTO FINANCE
05.2023 - Current
- Improved credit decision accuracy by conducting thorough analysis of retail loan applications.
- Assisted in reducing default rates through diligent risk assessment and evaluation of applicants'' financial profiles.
- Enhanced customer satisfaction by providing timely feedback on credit application status and addressing inquiries.
- Streamlined the credit approval process with efficient data gathering, documentation, and verification efforts.
- Prepared insightful reports on portfolio performance for senior management, enabling informed decisions on risk mitigation strategies and resource allocation.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Served as a liaison between sales teams and underwriting department, promoting seamless coordination in approving loan applications for retail clients.
SENIOR UNDERWRITER
UNITED WHOLESALE MORTGAGE
04.2020 - 05.2023
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Met with customers, agents and brokers to negotiate coverage, price and service delivery.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Guided, mentored and coached underwriters in both technical and professional skills, instilling best practice and company standards.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Maintained mortgage program compliance with federal agencies such as VA,Freddie Mac and Fannie Mae.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Streamlined underwriting processes for increased efficiency and faster turnaround times.
CASH POSTING ASSOCIATE
CASH, R1 RCM
10.2017 - 04.2020
- Verified cash flow and electronic transactions from credit card system to balance registers.
- Followed company policies, procedures and practices for accurate recordkeeping and loss prevention.
- Researched and resolved account discrepancies.
- Investigated financial inconsistencies to solve discrepancies and reported to manager.
- Researched vendor invoices to verify proper payment for deliveries.
- Matched purchase orders with invoices and recorded necessary information.
- Supported management by processing invoices and documents with consistent on-time delivery.
- Reconciled account information and reported figures in general ledger by comparing to bank account statement each month.
- Tracked financial progress by creating quarterly and yearly balance sheets.
- Reconciled accounts, managed audits and updated financial records with remarkable accuracy.
- Enhanced team productivity by streamlining communication and implementing efficient project management tools.
Education
C.P.A - Accounting
Walsh College of Accountancy And Business Administration
Troy, MIMBA - Business Administration
Walsh College of Accountancy And Business Administration
Troy, MI2021
Bachelors - Animal Science
THE PENNSYLVANIA STATE UNIVERSITY
State College, PA2014
Skills
- Project Leadership
- Customer Interactions
- Analysis and Evaluation
- Conducting Risk Assessments
- Team Management
- Complex Problem Solving
- Portfolio Management
- Microsoft Excel Proficiency
- Loan Underwriting
- Data Interpretation
- Procedure/Process Writing
- Strong Work Ethic
- Event Planning
- Complex Problem Solving
- Procedure/Process Writing
Timeline
RETAIL CREDIT ANALYST
TD AUTO FINANCE
05.2023 - Current
SENIOR UNDERWRITER
UNITED WHOLESALE MORTGAGE
04.2020 - 05.2023
CASH POSTING ASSOCIATE
CASH, R1 RCM
10.2017 - 04.2020
C.P.A - Accounting
Walsh College of Accountancy And Business Administration
MBA - Business Administration
Walsh College of Accountancy And Business Administration
Bachelors - Animal Science
THE PENNSYLVANIA STATE UNIVERSITY