Zaina Tamimi
Norwood,NJ
Summary
Credit risk management professional with strong analytical skills and deep understanding of financial risk assessment. Adept at developing and implementing risk mitigation strategies while ensuring compliance with regulatory standards. Collaborative team player focused on achieving results and adapting to changing needs. Skilled in data analysis, financial modeling, and credit evaluation, with commitment to driving positive outcomes for organization.
Overview
14
14
years of professional experience
Work History
Credit Risk Manager-Associate Director
Itria Ventures LLC-Biz2credit
03.2019 - Current
- Spearheaded projects such as Term Loans, Merchant Cash advances, Payroll Protection Programs, and Employment retention Credit Loans aimed at improving data quality, enabling more accurate forecasting of future trends in credit risk exposure, resulting in reducing net default rate under 5%.
- Managed a team of 27 analysts, providing guidance and support in conducting thorough credit evaluations and risk assessments.
- Enhanced portfolio performance by developing comprehensive risk models and utilizing predictive analytics, which has helped in securing 4 additional investors and syndication of over $300 Million.
- Reviewed competitor practices and industry benchmarks to ensure alignment with best-in-class standards for efficient credit risk management.
- Streamlined the loan approval process by creating user-friendly templates for presenting credit analyses to decision-makers and establishing Standard Operation Procedures.
- Evaluated emerging risks within the market, recommending adjustments to credit policies as needed to protect against negative impacts on portfolio performance.
- Increased efficiency in the underwriting process by designing automated tools for data collection and analysis increasing underwriters' output by 40%.
- Ensured compliance with regulatory requirements by staying up-to-date on industry changes and adjusting practices accordingly.
- Optimized credit approval and collection processes, improved operational efficiencies, and increased funding from $ 28 million to $83 million in 18 months.
Commercial Underwriter
U.S. Bank
05.2011 - 03.2019
- Maintained up-to-date knowledge of industry trends and regulatory changes, ensuring compliance while optimizing business practices.
- Received Stellar Award for 2013 & 2015 for 10% corporate performance.
- Championed a culture of continuous improvement by regularly reviewing workflows and implementing innovative solutions to enhance overall performance.
- Effectively managed a diverse portfolio of clients, balancing workload priorities to meet tight deadlines without sacrificing quality.
- Maximized revenue generation by detecting fraudulent activity and implementing preventative measures accordingly.
- Analyzed various financial statements to accurately assess the creditworthiness of potential clients.
Education
BBA - Corporate Finance
Rutgers University
Camden, NJMaster of Science - Business Analytics
Rutgers University
Camden, NJ05-2026
Skills
- Operational risk management
- Loan underwriting
- Credit analysis
- Team collaboration and leadership
- Data interpretation
- Cash flow analysis
- Industry analysis
- Borrower evaluation
- Power BI expertise
- SQL analytics (Basic)
- Python language (Basic)
- Expert Excel skills
Timeline
Credit Risk Manager-Associate Director
Itria Ventures LLC-Biz2credit
03.2019 - Current
Commercial Underwriter
U.S. Bank
05.2011 - 03.2019
BBA - Corporate Finance
Rutgers University
Master of Science - Business Analytics
Rutgers University
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