Tonya W. Campbell
Mechanicsville,VA
Summary
Professional credit risk analyst with over 20 years of experience in the financial industry, specializing in assessing both personal and commercial client creditworthiness. Notable achievements include a proven track record of enhancing productivity and efficiency through effective financial analysis, budget management, and risk assessment. Core competencies encompass strong analytical skills and relationship-building abilities that facilitate successful strategy development. Committed to continuous professional development in legal and compliance matters, ensuring alignment with industry standards.
Overview
29
29
years of professional experience
Work History
Credit Risk Manager
RRS Foodservice
Ashland, VA
09.2023 - Current
- Consult with clients to verify credit and financial transactions, and set up payment plans based on needs versus account history.
- Created process documentation and policies among sales, accounting, and analysts; enforced compliance with credit analysts.
- Reduced delinquency over 60 days from 35% to less than 4% with regular communication.
- Analyzed financial statements, credit reports, and other related documents to assess the creditworthiness of customers.
New Homes Sales Rep
D.R. Horton
Midlothian, VA
09.2022 - 09.2023
- Cultivated potential buyer relationships via cold calling, networking, and referrals, which generated five million in sales.
- Negotiated contracts with customers to ensure satisfactory purchase agreements were reached.
Branch Manager/Loan Officer
Homefinity
Charlottesville, VA
10.2021 - 09.2022
- Licensed in 23 states, proficient in conventional, FHA, VA, USDA purchase, and refinance.
- Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
Loan Officer
Intercontinental Capital Group
Troy, MI
08.2020 - 10.2021
- Evaluate, pre-approve, request documentation, review, and submit to Underwriting.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
Loan Officer
Cap Center LLC
Glen Allen, VA
07.2019 - 07.2020
- Collaborated with team members in various departments to fulfill customer needs.
- Examined financial information to assess loan eligibility.
Loan Officer
C&F Mortgage Corporation
Glen Allen, VA
02.2017 - 07.2019
- Evaluated borrower eligibility based on debt-to-income ratios.
- Collaborated with real estate agents and underwriting for timely documentation and approval.
Salon Director
Sun Tan City
Chester, VA
01.2014 - 01.2017
- Recruited, interviewed, hired and trained new employees in accordance with company standards.
- Implemented strategies to improve customer retention rates through loyalty programs and incentives.
Senior Process Manager
Capital One
Richmond, VA
01.1996 - 01.2012
- Developed and implemented process improvement plans to optimize operational efficiency.
- Monitored performance of staff to ensure compliance with established processes and procedures.
- Coordinated with stakeholders to develop new policies and procedures as needed.
Education
B.S - Business Administration
University of Richmond
Richmond, VA05-1992
A.S - Business Administration
Richard Bland College
Petersburg, VA05-1989
Skills
- Delinquent Account Management
- Debt Recovery Coordination
- Proficient Communication Skills
- Innovative Problem-Solving
- Strong Attention To Detail
- Cross-Departmental Collaboration
- Credit Risk Assessment
- Analytical Report Production
- Financial Reporting
- Client Relationship Management
- Effective Problem Resolution
Timeline
Credit Risk Manager
RRS Foodservice
09.2023 - Current
New Homes Sales Rep
D.R. Horton
09.2022 - 09.2023
Branch Manager/Loan Officer
Homefinity
10.2021 - 09.2022
Loan Officer
Intercontinental Capital Group
08.2020 - 10.2021
Loan Officer
Cap Center LLC
07.2019 - 07.2020
Loan Officer
C&F Mortgage Corporation
02.2017 - 07.2019
Salon Director
Sun Tan City
01.2014 - 01.2017
Senior Process Manager
Capital One
01.1996 - 01.2012
B.S - Business Administration
University of Richmond
A.S - Business Administration
Richard Bland College
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