Summary
Overview
Work History
Education
Skills
Personal Information
Timeline
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Veronica Carter

Indian Springs Village,Alabama

Summary

Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to continue working in the financial industry.

Overview

14
14
years of professional experience

Work History

Senior Credit Consultant

Financial Group Solutions
02.2021 - 03.2024
  • Met or exceeded daily KPI goals and metrics collected
  • Consistently Top 10 producer
  • Educated individuals on credit reporting and debt settlement utilizing consultative sales approach
  • Provided education for clients in determining best option and explained requirements or restrictions based on their individual needs
  • Meticulous attention to call backs, follow-ups and decline issues
  • Evaluated clients'' financial health by analyzing data from various sources such as financial statements, economic reports, and market data.
  • Negotiated favorable terms for clients during complex restructuring deals, achieving successful resolutions in challenging situations.
  • Ensured compliance with all applicable laws, regulations, and internal policies related to lending practices.

Independent Sales Agent

Thompson Medical
01.2010 - 02.2024
  • Sales for Medical durable equipment
  • Top distributor for 3 years consecutively; Member of the President's Club for 4 years.
  • Expert telemarketer to prospective clients to increase revenue growth, strategic planning, and customer relationship management (CRM)
  • Strong listening skills to provide solutions for closing transactions
  • Implement highly effective marketing programs and customized sales plans to facilitate growth for three different product lines
  • Cold phone calls to develop, educate and close new business while bolstering existing customer relationships.

Mortgage Loan Officer

NEXA Mortgage
01.2019 - 11.2023
  • Originated and processed mortgage loans in accordance with Federal / company policies and procedures
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Reviewed full credit reports and made recommendations for increasing score, as warranted
  • Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
  • Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
  • Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
  • Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
  • Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.

Education

Bachelor of Science - Nursing

St. Vincent's School of Nursing
Birmingham, AL
05.1997

Skills

  • Credit Scoring Models
  • Continuous learning mindset
  • Strategic Decision-Making
  • Regulatory Compliance Awareness
  • Ethical Conduct Standards
  • Debt Restructuring Strategies
  • Credit analysis expertise
  • Loan Origination
  • Debt management
  • Credit Reports
  • Performance monitoring

Personal Information

Title: Account Executive, Senior Credit Consultant

Timeline

Senior Credit Consultant

Financial Group Solutions
02.2021 - 03.2024

Mortgage Loan Officer

NEXA Mortgage
01.2019 - 11.2023

Independent Sales Agent

Thompson Medical
01.2010 - 02.2024

Bachelor of Science - Nursing

St. Vincent's School of Nursing

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Veronica Carter