Tracy Selzer
Wadsworth,OH
Summary
Experienced Senior Credit Analyst with 10 years of experience reviewing credit accounts and financial applications. Collaborated with company representatives to guide clients to achieving financial or business goals, reviewing credit applications, monitoring accounts and recommending solutions to financial needs. Tracked customer accounts to elicit full performance, working alongside collections to correct defaulted accounts or pursue remedies. Seasoned professional providing unparalleled service to credit accounts. Credit approvals, recommendations and denials based on analysis conducted.
Overview
10
10
years of professional experience
Work History
ERS Agent
AAA East Central
Independence, OH
08.2023 - 01.2024
- Delivered excellent service via inbound and outbound calling efforts, meeting established minimum targets.
- Responded promptly to customer inquiries and complaints in a professional manner.
- Adhered strictly to company policies regarding confidentiality of client information.
- Processed payments from customers by cash, check or credit cards accurately according to company guidelines.
- Dispatched roadside service technicians based on location and availability of personnel.
- Coordinated communication between customers, dispatchers and technicians by relaying job details or relevant updates regarding a case.
High Risk Credit/Collections
Discover Bank, Member FDIC
West Jordan, UT
01.2023 - 07.2023
- Investigated discrepancies between reported customer balances and actual amounts due.
- Negotiated repayment plans with customers to ensure timely payments of their delinquent accounts.
- Provided support to internal departments on collection issues and inquiries as needed.
- Prepared weekly reports summarizing total receivables collected during the period.
- Participated in training sessions conducted by management team members regarding best practices for collections activities.
- Assisted in preparing documentation for legal proceedings related to debt collections.
Senior Credit Analyst
KeyBank
Cleveland, OH
07.2020 - 01.2022
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Collaborated closely with customers, using effective communication and interpersonal strengths to gather important financial information.
- Implemented risk assessment techniques to identify indicators of potential attempts at fraud or other unethical activity, denying suspicious applications to protect company.
- Requested financial documents from customers.
- Met with upper management and provided insight into credit decisions.
- Handled customer service correspondence from clients, assisting with application completion, explaining qualification criteria and resolving complaints.
- Assisted clients with completion of loan applications, advising on information required and regulated by law and identifying programs best suited to clients.
Asset Protection Specialist
Home Depot
Fairlawn, OH
09.2019 - 05.2020
- Participated in court proceedings with evidence to support allegations.
- Initiated associate investigations, uncovering suspicious activities.
- Executed prevention plan for internal and external theft to reduce fraud.
- Reviewed CCTV footage to obtain evidence of theft.
- Controlled reduction of loss inventory by protecting company assets.
- Produced well-written reports detailing shoplifting and attempted theft.
- Mitigated risk and oversaw internal and external shoplifter apprehension and detention.
- Built cross-functional relationships with business partners to reduce losses.
Senior Loan Administrator
Regional Acceptance Corporation
Uniontown, OH
10.2018 - 06.2019
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Approved loans and specified terms, referring applications outside those limits to Senior manager.
Area Sales Manager
Consumer Portfolio Services
Irvine, CA
06.2014 - 09.2018
- Exceeded sales targets through effective marketing and negotiation strategies.
- Established productive and professional relationships with key personnel in assigned customer accounts.
- Structured loan applications for subprime automotive dealerships and provided loan approvals based on underwriting standards.
- Intensive dealer, customer contact to verify accuracy of loan approvals, credit approvals and collection process.
- Dealer compliance documents to meet state and federals laws.
- Funding analysis review to maintain low percentage of fraudulent applications.
Assistant Business Manager
Rick Roush Honda
Medina, OH
08.2013 - 02.2014
- Directed negotiations and preparation of contracts.
- Obtained automotive client financing for purchase and lease automobile loans.
- Conducted all document signing : loan, truth in lending, title, compliance to meet federal/state requirements.
- Networked and increased dealer lender base.
- Sales staff training to increase the accuracy of vehicle financing applications presented to the business office.
- Cash in transit to ensure signed loan packages promptly funded for dealer proceeds.
Education
Bachelor of Science - Finance
University of Phoenix
Cleveland, OHSkills
- Oral and written communications
- Cash Flow analysis
- Financial statement review
- Proficient in Microsoft Office Suite, SAP, Oracle
- Credit/Collection analysis
- Direct client contact negotiation
- Loss mitigation - secured and unsecured product lines
Affiliations
- Travel, sports, music, fitness, animal lover.
Timeline
ERS Agent
AAA East Central
08.2023 - 01.2024
High Risk Credit/Collections
Discover Bank, Member FDIC
01.2023 - 07.2023
Senior Credit Analyst
KeyBank
07.2020 - 01.2022
Asset Protection Specialist
Home Depot
09.2019 - 05.2020
Senior Loan Administrator
Regional Acceptance Corporation
10.2018 - 06.2019
Area Sales Manager
Consumer Portfolio Services
06.2014 - 09.2018
Assistant Business Manager
Rick Roush Honda
08.2013 - 02.2014
Bachelor of Science - Finance
University of Phoenix