Veronica Cervantes
Las Vegas ,NV
Summary
Experienced senior Credit Analyst with more than 20 years of expertise in automotive finance, credit underwriting, risk assessment, dealer relations, and portfolio management. Proven ability to analyze complex credit profiles, structure profitable deals, minimize risk exposure, and maintain compliance with lending regulations. Recognize for building strong dealerships relationships, mentoring team members, and consistently delivering top-tier performance in fast-paced lending environments.
Overview
24
24
years of professional experience
Work History
Credit Analyst
Hyundai Capital America
Irvine, CA
09.2023 - Current
- Analyzed credit data and financial statements to evaluate customer creditworthiness.
- Developed risk assessment models to enhance decision-making processes.
- Collaborated with cross-functional teams to improve loan approval workflows.
- Mentored junior analysts on credit analysis techniques and best practices.
Sr. Credit Analyst
Veros Credit
Santa Ana, CA
01.2023 - 09.2023
- Responsible for analyzing credit and structure the deal based on risk factors to build a strong portfolio.
- Works closely with dealers with deals that have been submitted for approval and follow up by helping restructure or decline if credit doesn’t merit.
- Help with pending deals as funding issues arise to try to get the deal resolved and funded in a timely manner.
- Established a line of communication with our dealers to maintain great customer service.
Sr. Credit Analyst
Westlake financial services
Los Angeles, CA
01.2009 - 08.2022
- Acts as a catalyst among peers to ensure company guidelines within Originations are being followed and company assets are protected.
- Works closely with manager to ensure our team surpasses regional goals and strategies for region growth.
- Maintains relationships with dealerships to strengthen business retention for portfolio growth.
- Works on developing and training new credit analysts to maintain a successful position within the company.
- Assists with audits making sure our accounts are properly notated, Fair lending -Credit Exceptions (ECOA).
- Point of contact with Regionals and reps while consistently maintaining a top rank.
Dealer Service Rep
Westlake financial services
Los Angeles, CA
01.2004 - 01.2009
- Responsible for answering dealer calls to provide service on their existing accounts to help them complete them and also answer any other questions they may have.
- Working with my team by going through their accounts and reviewing what’s pending to inform the dealer regarding pending documents to process their accounts in a timely manner.
- Calling customers to verify documents they may look questionable, to help prevent fraud.
- Completing verifications task on accounts that might need special handling to finalize the loan.
Data Entry
Westlake financial services
Los Angeles, CA
01.2003 - 01.2004
- Responsible for entering data into the system.
Education
High School Diploma - undefined
Huntington Park High School
01.2000
Skills
- Loan structuring
- Credit decisions
- Credit risk
- Credit scoring models
- Verbal and written communication
- Training and mentoring
- High risk account reviews
- Credit analysis
- Lending regulations
- Loan documentation
- Credit risk analysis
- Consumer credit reports
Underwriting Skills
- Conduct extensive credit investigation and underwriting including gathering and reading all types of credit information and profiles for existing and potential customers.
- Make recommendations regarding the extension of credit and potential loss.
- Work proactively, in a constructive, diplomatic manner, with both internal and external sales reps to keep transactions moving forward.
- Review vehicle purchase transactions by analyzing credit reports and financial statements to make sound credit decisions within established guidelines while minimizing risk.
- Negotiated credit disputes with high-level bank and loan office personnel.
- Provide loan payback forecast based on historical credit data analysis.
Timeline
Credit Analyst
Hyundai Capital America
09.2023 - Current
Sr. Credit Analyst
Veros Credit
01.2023 - 09.2023
Sr. Credit Analyst
Westlake financial services
01.2009 - 08.2022
Dealer Service Rep
Westlake financial services
01.2004 - 01.2009
Data Entry
Westlake financial services
01.2003 - 01.2004
High School Diploma - undefined
Huntington Park High School