Credit Analyst
Xiomara Y. Gonzalez
CONSUMER PORTFOLIO SERVICES
Orlando,FL
18
years of professional experience
1
Certification
Credit and Financial Services Professional experienced in evaluating consumer credit applications and supporting lending decisions within established guidelines. Delivered operational efficiency through process optimization, project management, and data analysis while maintaining high standards of accuracy and confidentiality. Committed to driving team success through effective communication and problem-solving.
Work History
Credit Analyst
1 Year 9 Months- Review credit reports, income documentation, debt obligations, and financial information to assess credit risk.
- Evaluate debt-to-income ratios and applicable credit criteria to support accurate lending decisions.
- Make credit approval and denial recommendations based on established underwriting requirements and risk parameters.
- Analyze consumer credit applications and evaluate borrower creditworthiness in accordance with established lending policies and guidelines.
- Identify potential fraud indicators, inconsistencies, and elevated-risk applications and escalate concerns appropriately.
- Balanced productivity, accuracy, compliance, and quality in high-volume credit environment to uphold lending standards.
- Collaborated with internal teams to resolve documentation issues, enhancing efficiency of loan processing.
- Maintained accurate documentation supporting credit decisions, ensuring adherence to established procedures.
Accounting Finance Coordinator
2 Years 2 Months- Managed invoicing, billing, and payment processing to ensure timely financial transactions and account accuracy.
- Posted and reconciled ACH, debit, and credit card payments, enhancing accuracy of customer account records.
- Investigated and resolved account discrepancies to maintain accurate balances and records.
- Coordinated with internal departments to resolve payment and funding issues, facilitating smooth financial operations.
- Maintained detailed financial documentation while meeting established deadlines.
- Supported daily accounting and finance operations in a fast-paced environment.
Case Management Coordinator
2 Years 10 Months- Coordinated referrals, admissions, and discharges across multiple departments to ensure seamless patient transitions.
- Coordinated referrals, admissions, and discharge-related activities across multiple departments.
- Resolved issues through effective communication with patients, insurance representatives, and internal teams, enhancing service delivery.
- Managed multiple cases and competing priorities in a high-volume environment, ensuring timely and accurate patient care.
- Provided bilingual English/Spanish support while maintaining professionalism and confidentiality.
Front Desk Coordinator
6 Months- Coordinated patient registration, scheduling, payments, and front-office operations to ensure smooth daily operations.
- Verified insurance and demographic information, resolving discrepancies to enhance data accuracy and patient experience.
- Processed payments and maintained precise patient and financial records, supporting efficient front-office management.
- Provided customer service by addressing inquiries and resolving issues promptly in a busy setting.
Courtesy Pay Administrator
10 Years- Handled escalated member inquiries and complex account-related issues with accuracy and professionalism.
- Reviewed member accounts and transaction activity to identify necessary account actions, enhancing member satisfaction.
- Managed returned checks and overdraft activity while conducting account reviews to ensure compliance with policies and procedures.
- Explained account activity, policies, and procedures clearly, fostering strong member relationships and trust.
- Supported staff training and knowledge development related to Courtesy Pay and account processes.
- Maintained accurate records, protected confidential financial information, and collaborated across departments.
Education
Associate of Science - Medical Assisting
High School Diploma
Skills
Credit Analysis: Credit Review
Credit Decisioning
Risk Assessment
DTI Analysis
Underwriting Guidelines
Underwriting standards
Fraud Indicators
Compliance
Financial reporting
Data analysis
Reconciliation
Account reconciliation
Payment Processing
Billing
Invoice processing
Discrepancy Resolution
Accuracy
Cross-Functional Collaboration
Excel proficiency
Salesforce
NetSuite
FIS
SAP
Cerner
Episys
FDR
Synapsis
PowerPoint
Word
Outlook
Monthly reports
Problem solving
Invoice processing
Personal Information
Title: CREDIT ANALYST CREDIT RISK FINANCIAL OPERATIONS
Certification
Phlebotomy Certification | American Vocational Academy
Languages
Bilingual: English & Spanish
Timeline
Credit Analyst
CONSUMER PORTFOLIO SERVICES
02.2025 - CurrentRead More
Accounting Finance Coordinator
LUMIO SOLAR
08.2022 - 10.2024Read More
Case Management Coordinator
ADVENTHEALTH SOUTH
10.2019 - 08.2022Read More
Front Desk Coordinator
URGENT MED CARE
01.2019 - 07.2019Read More
Courtesy Pay Administrator
PARTNERS FEDERAL CREDIT UNION
11.2008 - 11.2018Read More
High Tech Institute
Associate of Science from Medical Assisting
Read More
Essex County Vocational Technical High School
High School Diploma
Read More