Tracy Richardson
Riverside,RI
Summary
Dynamic Senior Credit Analyst with extensive experience at Lithia/Driveway, adept at credit risk assessment and loan structuring. Proven track record in enhancing credit approval processes and mentoring teams. Strong negotiation skills and expertise in credit scoring models drive informed lending decisions, ensuring compliance and optimizing portfolio performance.
Overview
21
21
years of professional experience
Work History
Senior Credit Analyst
Lithia/Driveway
Rhode Island
05.2020 - Current
- Analyzed credit reports to assess risk and inform lending decisions.
- Developed financial models to evaluate loan performance and portfolio health.
- Collaborated with cross-functional teams to streamline credit approval processes.
- Mentored junior analysts on credit assessment methodologies and best practices.
- Presented credit analysis findings to senior management for strategic decision-making.
- Implemented improved data analytics techniques, enhancing reporting accuracy and efficiency.
- Reviewed compliance with lending regulations, ensuring adherence to company policies.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
Senior Credit Analyst
TD Auto Finance LLC.
Greenville, SC
08.2012 - 05.2020
- Conducted market research to identify trends impacting credit risk assessments.
- Performed credit reviews on corporations to assess financial conditions.
- Complied with internal controls and government regulations.
- Improved understanding of financial statements, which helped in assessing risk.
- Gathered loan documentation for underwriting.
- Played an instrumental role in the development of credit analysts by providing guidance, mentorship, and constructive feedback on their performance.
Charles Schwab
Director of International Operations
Orlando, FL
03.2005 - 08.2012
- Worked effectively in fast-paced environments.
- Skilled at working independently and collaboratively in a team environment.
- Proven ability to learn quickly and adapt to new situations.
- Demonstrated strong organizational and time management skills while managing multiple projects.
Education
High School Diploma -
Lely High School
Naples, FL05-1993
Skills
- Knowledge of funding, credit and sales process in consumer finance
- Loan structuring
- Credit decisions
- Credit risk
- Credit scoring models
- Sales skills necessary to develop and maintain dealer relationships
- Knowledge of retail loan contracts
- Negotiation skills
Knowledge in consumer finance and banking environment
Timeline
Senior Credit Analyst
Lithia/Driveway
05.2020 - Current
Senior Credit Analyst
TD Auto Finance LLC.
08.2012 - 05.2020
Charles Schwab
Director of International Operations
03.2005 - 08.2012
High School Diploma -
Lely High School