Customer Service Analyst

Tiffany Cooper, MBA

**** ******** ** *********: 281-***-****

Humble, TX 77396 Mobile: 832-***-****

Email:***************@*****.***

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Senior Credit Analyst

Background: Credit Review / Investigator / Analysis

Savvy MBA graduate with proven leadership skills in successfully managing and maintaining several

million dollar profit improved accounts. Results oriented leader with 5 years experience as a Credit

Analyst. Background includes reviewing and evaluating consumer credit history to obtain the information

needed to determine credit worthiness for loan request. Evaluated consumer financial assets/liabilities to

determine risk factor. Continued to increase portfolio revenue and profitability, while exercising

discretion and making sound decisions based on consumer credit profile to limit company exposure and

risk.

Recognized financial expertise, cost saving results, and meeting obligations according to company

policies and guideline. Critical thinker and negotiator who can apply extensive industry knowledge for

profit and revenue enhancement. Team player with exceptional communication skills, both oral and

written, seeking a position as a Credit Analyst where these skills will add similar or greater value.

Areas of Expertise:

Financial and Credit Review / Analyzing consumer data / Market start ups / Margin practices /

Structuring and Negotiation / Bank Regulation / Credit Policy Formulation / Self starter

Business Experience

BBVA Compass Bank – Houston, TX 2006-2009

Ranks among the top 10 largest banks globally

Senior Credit Analyst

Challenged to continue profit growth to enhance company portfolio by increasing loan volume for bank

counterparties while maintaining company risk exposure. Managed over one hundred accounts with

profits that ranged from $500,000 to $1M monthly.

Investigated suspicious consumer credit application and performed due diligence for credit

protection by reviewing information with Compass security and performing Fast Data and Lexis

Nexus research for accuracy

Took aggressive measure to insure each consumer was financially stable for loan repayment

Negotiated contract pricing and loan to value advances in accordance with company credit policy

to mitigate risk while extending credit to credit worthy consumers

Provided credit risk perspective to policy discussions for continued profit growth

Credit Union Acceptance Corporation – Houston, TX 2004-2006

Founded in 1998 servicing over 60 credit unions in 6 states with over $1billion in loan assets

Senior Credit Analyst

Began as a Jr. Credit Analyst and was promoted as Senior Analyst within 7 months of employment with

company. Established, nurtured and maintained outstanding rapport with Credit Union VP’s and lending

staff throughout the Houston, Louisiana, and South Carolina markets. Worked closely with credit union

members and staff to provide extraordinary customer service for credit union profit and member growth.

Reviewed new and existing consumer geographical and job location to determine eligibility for

Credit Union membership and placement of loans

Evaluated and accurately completed rate surveys for market competitors

Core team member that established profit increase for South Carolina market

Responsible for cross selling member loans to credit unions outside service area to enhance

profitability

Monitored CUAC’s scorecard system for consistency and competitiveness in the market

CitiFinancial – Houston, TX 2002-2004

Formerly Auto One Acceptance, now global Financial Service Provider

Loan Processor

Worked closely with Loan Officers in processing a pipeline of subprime loan applications. Team based

environment with superior support from upper management.

Input proper loan information into the system for booking

Managed relationship with loan officers and finance department

Conducted and documented retail commodity verifications on all loans

Communicated with loan officers to acquire additional information or signatures required prior to

booking loan

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Education / Affiliations

Masters of Business Administration

University of Phoenix - Houston, TX

Bachelor of Arts, Political Science

Jackson State University – Jackson, MS

National Honor Society

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