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Sr. Business Analyst

Aldan, Pennsylvania, United States
October 11, 2016

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** * ******** ***

Aldan, PA *****

215-***-**** (m)

484-***-**** (h)



15+ years in the credit, compliance, & accounts receivable industry.

Great knowledge of the financial, risk and asset management markets.

General Motors Credit and underwriting certification.

Remarkable proficiency with Microsoft Office (excel, outlook, powerpoint, word etc.) Sales Force, Dealer Track, Provenir, Oracle, AS 400, Paynet, Banner, Lexis Nexis, Visio, ACES, EWQ, SAP, Pegasus, Deltek Vision, WAWF, Costpoint, Cognos Finance, & Great Plains.

Immense problem recognition, root cause analysis, and resolution experience.

Consumer and commercial financial statement analysis and underwriting.

Strong business and industry knowledge.


Business Analyst – Lending Solutions Fiserv

2016 - Present

Prepared business specifications (business requirements documents - BRD, SRS, IRD) from which technical specifications are formulated.

Reviewed requirements, specifications, test, support and training plans to ensure they are in line with business objectives.

Conducted analysis of business goals, objectives, and needs of the business environment.

Made recommendations to improve business processes. Assist in root cause analysis in order to recommend product enhancements or other appropriate actions to improve productivity for the business units.

Utilize systems and data to resolve business issues in the most effective manner.

Provided financial and/or operational business related analysis and research to support business goals.

Used limited independent judgment to make decisions based on precedents and established guidelines.


4/2013 - 12/2014

Reviewed commercial credit reports via D&B/Credit Risk monitor,Credit Safe for commercial clients and Moodys, S&P for municipal & Governemtn clients and assigned necessary credit lines up to $20 million.

Decisioned credit request for major equipment (Boeing Aircraft projects etc) for the US Government, Oil & natural gas drilling equipment and engineering projects, including Hi-technology and engineering equipment/resources for completion of million dollar projects, buildings, & construction.

Evaluated request from clients (US Navy, IBM, Google, Huntsman Petrochemical etc.) and senior management regarding deal reviews and pricing.

Reviewed and analyzed credit scores, paydex, & bond ratings for government clients with intent on assigning the necessary credit lines.

Performed ratio, financial statement, financial spreading and credit analysis for accounts that did not meet company requirements.

Generate and analyze system generated accounts receivable reports and agings to locate areas of improvement.

Responsible for quarter end closings, bad debt review and analysis for the high technology and government divisions.

Recommend actions to resolve any client payment, invoice, work order, and contract issues to improve cash flow and reduce DSO’s.

Create reports via cognos finance for the information technology and government portfolios.

Daily configuration of the company wire and lockbox totals from Bank of America and JP Morgan, including foreign currency exchange rates, daily cash flow reports from global divisions, and inter-company debt/credit payments for distribution to senior executive management.

Lead monthy accounts receivable & credit risk conference calls to determine escalated issues regarding high value accounts and resolution.

Determined risk and exposure for new and current clients.

Responsible for a/r of an $15 million dollar credit portfolio of High technology and Government accounts via calls, emails, and conference calls with various clients & teams internally and externally. ( IBM, US Navy, Intel, Siemens, IBM etc.)

Maintaining workload and organizing and maximizing teammate efforts from various company locations and home office.


2012 – 2013

Analyze credit data to determine the degree of risk involved in extending credit.

Advanced knowledge of indirect retail auto financing and other facets of consumer credit, including knowledge of credit laws and regulations.

Resolve and restructure applications and deals to conform to dealer and customer relationships to obtain and maintain business.

Make decisions to approve or deny the extension of credit within set credit authorityestablished by senior management and state/federal laws.

Capture Automotive finance contracts that meet GM/Americredit profitability critereia for pricing and performance.

Ensure compliance with applicable policies and procedures.

Process and review financial documents and credit bureau data and scores.

Conduct Joint dealer calls with Dealer Relationship Managers (DRM) on an as needed basis.

Ensure Branch office cooperation with other departments, to maximize efficiency within the company.

Provide training to lower level credit analyst.


2009 - 2012

Responsible for locating company assets, assuring compliance with contractual duties and negotiating the sale and/or return of company assets.

Application of funds from live checks via remittance processing database.

Responsible for recovery, sale and/or analysis of company leased assets (automobiles, office equipment, construction equipment, etc) of large ticket contracts in excess of $4 million dollars.

Evaluate financial, monetary documents (Dun. & Brad.) and statements to evaluate key risk factors.

Identify and report any issues of vendor fraud to upper management.

Analyze paying habits of customers and recommend necessary actions.

Communicate with potential new/existing customers and/or Sales Directors and Account Executives to identify and address any outstanding issues in a timely manner.

Evaluate customer records and make recommendations based on credit, purchase history, earnings etc.

Confers with representatives of credit associations and other businesses to exchange information concerning credit ratings etc.

Ability to perform quantitative and qualitative analysis of assets.

Accountable for thoroughly analyzing the impact of lease transactions to property value and yield within established timeframes.

Ensure that workout strategies are structured within established credit policies, any applicable state or federal laws or bank regulations, and do not place the company at risk from a legal standpoint.


Made/received escalated calls, emails, and letters from Lessees and attorneys regarding issue with accounts regarding billing, credit and collections.

Demonstrate ownership of lessee and vendor contractual issues and worked productively with vendors and business units to resolve all matters in a timely issue.

Evaluate contractual agreements for compliance.

Ability to understand and identify any and all issues hindering the credit/collection process.

Managed all activity in regards to Billing, collection & correspondence regarding contracts between company, vendor, and lessee’s.

Billing and collections of past due accounts within a designate high revenue portfolio.



Responsible for regulatory compliance of assigned programs regarding: the provision of services; technical and staff training; adherence to regulatory standards; and adherence to financial, administrative, and reporting requirements.

Conduct periodic internal audit reviews and outline compliance deficiencies in writing for program management staff.

Performed root cause analysis on budgetary issues before submission to the state finance dept.

Ensure results of reviews are satisfactory or that an appropriate financial corrective action plan is implemented to resolve any discrepancies in a timely manner.



B.B.A Business Administration and Law

Wilmington University- DOVER, DE

M.B.A Masters of Business Administration


Head coach for Bulldogs Basketball and Assistant coach for Comets Youth Football.



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