Analyst Management

SUMMARY

Goal orientated self-starter who possesses 10+ years of professional

experience and excellent communication, problem solving and leadership

skills. Demonstrated experience with credit card account analysis, credit

card portfolio risk management, data analysis, loss prevention and customer

service.

EDUCATION

Master of Business Administration: Management

November 2006

American InterContinental University Hoffman

Estates, IL

Bachelor of Arts in English May 1992

University of Delaware Newark, DE

PROFESSIONAL EXPERIENCE

Robert Half International/Accountemps Raleigh, NC 2010-

Contractor (Loss Mitigation Analyst)

Responsible for reviewing and adjusting collection portfolios which require

special handling or analysis to reduce delinquent/problem mortgage loans

within framework of company or investor guidelines. Functions include

evaluating and ensuring overall loan documents are accurate, complete, and

compliant; reviewing of financial statements, credit reports, applicable

ratios (i.e. Debt ratios, loan-to-value) and other supporting

documentation; using an automated scoring system or traditional

underwriting to determine acceptability of moderate requests; contacting

customers and partners to gather information to make appropriate decisions,

explain rationale behind credit decisions, and/or to sell/promote line

products; staying abreast of any changes in underwriting provisions;

working with production to resolve questions when possible.

City of Raleigh Housing Authority Raleigh, NC 2008 -

2009

Special Assistant to the Executive Director 2008 - 2009

Performed financial and operational analysis, read, interpreted, and

communicated federal, state, local regulations pertaining to housing

authority activities and made policy recommendations; audited Authority

programs for compliance with program guidelines and resulted and assisted

in implementing changes; represented Authority and/or Executive Director at

public and internal agency meetings; analyzed funding proposals for mixed-

finance developments; developed and monitored program budgets; responded to

requests and complaints from the general public related to all programs run

by the housing authority; and prepared proposals and presentations.

ABC Supply Company Raleigh, NC 2006 -2008

Southeast Region Credit Analyst 2006-2008

Responsible for underwriting credit lines (minimum $5,000 and maximum

$500,000) at the lowest possible risk consistent with the overall business

objectives of the region. Reviewed tax returns, Dun and Bradstreet reports,

NACM reports, credit bureaus, financial statements and if an exsisting

customer, reviewed current performance to assist in the credit decision.

Responsible for monthly reporting of overall portfolio performance on a

regional level which identified accounts with minimum, maximum and

potential risk. Responsible for visiting stores that were assigned to

discuss account risk and to meet with risky/delinquent account holders.

Managed and maintained working relationships with 70+ branch managers,

district managers, sales personnel, regional team members, national support

center personnel and other consumer financial services team members through

phone, email and in person contact. Also, established and maintained

working relationships with existing customers and credit/collection

personnel outside the organization. Assisted with collection efforts when

necessary. Attended industry credit meetings and attended monthly credit

meetings sponsored by NACM.

MBNA America Wilmington, DE 1995 - 2005

Risk Analyst 2004-2005

Planned and directed business analysis, risk modeling, of loss prevention

programs. Completed account analysis, ad-hoc reviews and provided feedback

to business areas through oral and written communication, department/team

meetings, and consistency meetings which were a critical component of the

internal control process. Prepared monthly reports for upper management

based on account analysis.

Quality Control Analyst 2003-2004

Reviewed business credit card decisions made by credit analyst for

incentive and sign off purposes. Identified performance trends and

educational opportunities and provided feedback to credit analysts and

management. Created and provided credit policy education to upper

management and analysts.

Credit Analyst 1999-2003

Analyzed current credit data and financial statements of individuals who

were requesting credit cards or consumer loans and determined the degree of

risk involved in extending credit. Prepared reports based on credit

information obtained for use in decision-making. Consulted with customers

to resolve complaints and verify financial and credit data. Consistently

achieved daily volume goals and helped achieve monthly departmental goals.

Collector 1995-1998

Via an automated dialer system contacted delinquent credit card and

consumer loan customers who were

30 -180 days behind and obtained payments, commitment agreements or

established a repayment plans. Consistently achieved monthly and individual

departmental goals.

Computer Skills/System Knowledge/Training

Microsoft - Excel, Access, Word, PowerPoint, Microsoft Project, Visio

AS400, APPRO, TSYS, OMNI, BLADES, Credit Online

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