Sales Manager

Mark Terka

Richmond, Texas *****

*******@*****.*** • 281-***-**** • https://www.linkedin.com/in/markterka/

Senior Credit Analyst and Major Accounts Manager

Growth-focused Senior Credit Analyst and Financial Account Manager with 30+ year record of accomplishment for comprehensively analyzing financial documents to forecast cash flows and develop risk assessments. Adept knowledge for leading collaborative teams to evaluate lending risks for credit applicants and review credit reports and financial data to make critical decisions for approving credit and loan applications. Efficiently developed policies to enhance sales and revenue growth through acquisition of new accounts and sustained customer relationships. Exceptional communication skills with demonstrated ability to lead teams to execute complex projects and achieve account targets.

Areas of Expertise

Leadership Credit and Data Analysis Equity and Insurance Ongoing Needs Assessment

Banking Proficiencies Fiscal Management Customer Relationship Management Risk Analysis

Project Management Client Satisfaction & Retention Sales Strategies Team Building

Career Accomplishments

Maintained or exceeded internal organizational targets to achieve revenue and account goals

Contributed to achievement of team’s goals by successfully closing 100 loans

Mentored staff on best practices for streamlining protocols, which optimized productivity for 16-20 member team

Increased profitability, client retention, and customer satisfaction for 18 to 25 automotive dealerships through collaborative teambuilding, strategic planning, and restructuring of organizational objectives for account management and sales

Professional Experience

Reliant Energy, Inc. Houston, Texas

Business Advisor 11/2017 – 07/2018

Oversee business accounts and establish strong client relationships including tailor plans to meet customer needs and equipment, ensure smooth transfer of electric services, and address all customer questions. Utilize multiple complex computer systems and verify compliance to all government regulations, industry requirements, and rules and regulations.

Key Accomplishments:

Efficiently analyze customer needs and requirements to exceed sales targets in 50% of the allotted time.

JP Morgan Chase Houston, Texas

Commercial Scored Credit Analyst 12/2016 – 3/2017

Led cross-team communications to collaborate with Field/Banking staff and deliver credit decisions for processed applications. Evaluated business and customer tax returns and financial statements to analyze cash flows and forecast future revenues. Developed product structuring per policy by reviewing credit bureau data and collateral details.

Key Accomplishments:

Accurately forecasted cash flows for 6 consecutive quarters.

Developed risk analysis criteria for consumer and business lending.

Xerox Business Services Houston, Texas

Customer Care Agent 4/2016 – 6/2016

Oversaw daily Customer Care technical support for Xerox Business Outsourcing Division. Managed client relationships by guiding them through troubleshooting process and providing solutions for various equipment problems. Delivered solutions for service issues and managed product/package upgrades.

Key Accomplishments:

Earned customer retention rate of 75% by effectively managing and resolving technical and service issues.

Credit Union Acceptance Houston, Texas

Senior Credit Analyst 10/2006 – 1/2016

Reviewed credit applications to determine applicant risk for money loans, credit extensions, or automobile purchases. Collaborated with dealership member team to discuss monthly referral goals and review credit and lending policy changes. Made credit decisions for 7-market, 4-state coverage area by analyzing credit reports, evaluating financial data, and assembling financial reports. Managed profitability for 20 dealerships by streamlining processes to increase productivity and significantly reduce costs. Developed targets, updated policy and lending rate documents, and followed-up with clients to increase revenue streams. Managed client accounts with credit limit of $60K or above. Created corrective action planning to help customers qualify for lending options. Conducted review and evaluation of credit/FICO scores, employment, income sources, debt-to-income ratio, and collateral to determine client eligibility for credit.

Key Accomplishments:

Approved credit for applicants with minimal to no risk to reduce the company’s liabilities.

Developed process to easily track documentation of client rewards and compensation.

Implemented training and mentoring program for new hires and coached fellow team members through the application review and decision process, which increased productivity and decreased employee turnover.

Additional experience as Closing Manager at Bank One from 1997 to 2006, and Executive Lender, Credit Analysis at Bank of Montreal from 1986 to 1996.

Education and Credentials

Bachelor of Commerce in Accounting and Finance

Carleton University – Ottawa, Ontario

Professional Development:

Canadian Securities Course, 1996

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