KAREN CHAIRMAN

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

Amityville, New York 11701

631-***-**** (Home); 631-***-**** (Cell)

acyxel@r.postjobfree.com

SUMMARY

A skilled and highly motivated Credit Analyst with ten years of experience

focusing on the Financial Industry. Demonstrate the ability to identify

creative solutions in a fast paced environment. I am extremely adaptable

under pressure and possess the ability to learn at a fast pace. Strengths

include analyzing, researching, quality control, clearing conditions,

approve or deny loans, validating merchant businesses, bank reference,

evaluating credit data, business credit reports, and financial statements.

A well organized, detail and deadline oriented who is a self-starter with

excellent follow-through abilities. Possess excellent communication

skills.

Computer proficiency includes: Velocity, LOS, OSI, Core, IMC, Grove Car,

Dealer Track, App Track, Akcelerant, MS Word, Excel, SQL account balance,

Credit Bureau Profile

ACCOMPLISHMENTS AND RESPONSIBILITIES

. Managed a high-volume workload within a deadline-driven environment.

Reviewed/Approved/Denial an average of 175+ accounts in any given week

and consistently met performance benchmarks in all areas (speed,

accuracy, volume)

. Conducts credit decisions with 3 major credit bureaus, including

evaluating various loan packages (consumer lending, commercial, real

estate workout, auto finance) to ensure all documentation are

received, clear, accuracy, completeness, and system quality control

. Monitor/Update/Maintain the Database System to track receipt of

pending loan, missing documents, generate accts #, scan and upload

loan documents on WebTop, ChexSystems- open new saving and checking

accts, daily report

. Reviewed and analyzed Consumer Lending Rate Matrixes to verified Fico

Score, Tier, Term, and LTV to determine if the borrowers are getting

the proper rate.

. Analyzing credit data, business credit report, financial statements,

bank reference, evaluate the nature of the merchant's businesses,

review rates, equipment price & fees.

. Processed borrower's figures from Closed End note into the loan system

and ensured that all contract packages are booked and funded and loan

disbursements are set up.

. Prepares and organizes the workout assistance folder (Modifications,

Short Sales, and Refinances) for investor and underwriters pulled

credit report, appraisals.

. Interfaced effectively on a daily basis with underwriters, manager,

borrowers, relationship manager, ISO, dealer, finance with pending

issue leading to resolutions.

Karen Chairman

Page 2

PROFESSIONAL EXPERIENCE

Bethpage Federal Credit Union, Bethpage, NY

2014-Present

Massapequa Branch

Teller

. Process daily financial transactions, cashbox proof, maintaining

courtesy, accuracy and provide extraordinary member service while

cross selling Bethpage FCU products and services.

Bethpage Federal Credit Union, Bethpage, NY

2013-2014

Consumer Lending Department

Indirect Loan Specialist

. Reviewed, organized and evaluated loan packages for accuracy, quality

control, open accts, prepared loans for funding, disburse funds to dealer.

Assisted with phones, daily reports

University Support Services LLC, Great River, NY

2011-2013

Admission Support Department

Data Entry Specialist

. Researched and analyzed Medicine, Veterinary, and Undergrad

documentations received from prospective students and applicants for

completeness, accuracy, cross train new hire

Bethpage Federal Credit Union, Bethpage, NY

2010

Consumer Lending Department / Loss Mitigation Dept

Indirect Loan Specialist / Real Estate Workout Specialist

. Reviewed and analyzed various loan packages for completeness and

accuracy.

EVO Merchant Service, Melville, NY 2005-

2009

Credit Analyst / Credit Department.

. Responsible for researching and analyzing both merchant applications and

credit worthiness.

. Employee of the Month, consistently exceeded expectations and add extra

value to EVO.

J.P. Morgan Chase, Garden City, Hicksville, NY

1997-2005

Chase Auto Finance Department

Documentation Analyst (2002-2005)

. Analyzed and reviewed loan documents including credit, retail, lease and

balloon packages for completeness and accuracy, quality control, booked

and fund disbursement to dealer.

Client Services Representative (2000-2002)

. Handled telephone inquiries by investigating each client's situation, and

providing quality services to auto loan/lease customers and dealers.

. Numerous Service Star, recognized as valuable team member who delivered

excellent.

EDUCATION

Suffolk County Community College, Brentwood, NY

Completed one year majoring in Business Administration Courses

Contact this candidate