Senior Credit Analyst

TECHNICAL SKILLS

More than twenty years of support experience in the Banking and Financial Services Industry.

Working knowledge of Bankruptcy Act and current consumer protection laws

Sharp ability to multitask, prioritize, and work individually or with others in a fast moving environment with excellent organizational skills.

Proficient at gathering data and producing meaningful reports.

Strong interpersonal skills in both written and verbal communication.

Experienced in Microsoft Word, Excel, Windows, Power Point, AS/400 Software, Adobe Acrobat Echo Sign, Scanning.

WORK EXPERIENCE

Bakery Clerk

Giant of Landover, Owings Mills, MD 2017 – Present

Label and restock merchandise. Handle markdowns & out of date product.

Do setups for the next day – which includes cleaning bins & putting products (bagels, muffins & rolls) on racks for the morning co-worker.

Pack & label fresh made cookies.

Remove trash & cardboard boxes.

Assist Manager with ordering product. Once received, date it and put it away.

Senior Credit Analyst & Sales Representative 2004 – 2016

Global Express Financial Services Inc., Silver Spring, MD 1991 – 1995

Key member in task group responsible for implementing an agent network of walk in bill payment centers for more than 35 contracted utilities. Responsible for expediting new business applications in order to on-boarding new trustees and meet implementation time schedule.

Process new business applications – gather, analyze and report findings to management on applicant’s credit, assets and debt.

Partnering and advising sales representatives, applicants and management on status of applications.

Setup new trustees in database & distribute appropriate marketing materials to trustees.

Execute product additions, deletions and changes for existing trustees.

Provide support to Trust Manager assisting with personnel and policy decisions.

Support sales staff by fulfilling internal team requests, identify problems and resolve issues with creative solutions.

Liaison to Florida Power and Light (Global Express’s largest revenue producing authorized biller). Directly responsible for ensuring client requests and contract requirements are being met.

Process after hours calls for Trustees and calculate their compensation.

Back up office staff (receptionist, shipping clerk, office manager).

Attend and contribute at bi-weekly managers meetings. Report detailed results to Trust Manager and department staff.

Member of “ConnecTion” task group. Responsible for company health and wellness initiatives, holiday events.

Performed cold calls for new business money order sales leads.

Met in person with prospects, provided product presentation, completed trustee applications, and gathered all supporting documentation to be submitted to home office.

Installed money order equipment and trained new trustees on product sales and compliance policies.

Proactively called on existing trustees to ensure product knowledge, provide POS materials, and review compliance policies.

Several times during the year I assisted with ordering meals for meetings on and off premise. Also assisted with travel plans of incoming dignitaries and hotel arrangements for Sales Representatives for the National sales meeting.

Licensed Property and Casualty Agent 2003 –2004

Braun Insurance, Virginia Beach, VA

Assist insured clients with quotes, changes, deletions, questions, coverage’s and billing issues.

Collect insurance premiums.

Prepare policies and certificates.

Initiate sales leads and point of contact for incoming leads.

Process client claims.

Prepare reports for upcoming renewals, delinquencies, pending changes.

Compiled records on insured’s accounts and maintained files.

Bank Teller/ Loan Officer 1995 – 2003

St. Matthews Federal Credit Union, Virginia Beach, VA

Manage the daily operation of a full service Credit Union.

Receive shares and loans payments, manage miscellaneous cash transactions and assist with routine account activities.

Open new accounts processing loan requests and cross-selling credit union products and services for new and existing members.

Coordinate delinquency control and collection activity.

Manage extension, problem collections, repossession and analyze adjustments.

Responsible for handling and securing large volumes of cash.

Prepare and presented monthly delinquency reports to the BOD.

Train new staff on policies and procedures.

EDUCATION

High School Diploma

Kempsville High School, Virginia Beach, VA

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