Tanzia Tusi

Rochester Hills, MI *****

313-***-**** - ad2yf5@r.postjobfree.com

Professional Summary

Results-driven Credit Analyst with over 12 years of experience in assessing credit risk, risk management, underwriting, compliance analysis and financial analysis. Seeking a challenging position in a reputable organization where I can utilize my expertise in credit approvals, risk management, and customer service to contribute to the company's growth and profitability. Strong analytical skills, attention to detail, and ability to thrive in a fast-paced environment, combined with a solid working knowledge of Microsoft Office Suite and excellent interpersonal skills, make me a valuable asset to the team.

Work History

09/2022 to Current

Business Credit Analyst

Select Funding – Westlake Village, CA

●Assessed credit risk and analyzed financial statements.

●Commercial underwriting

●Conducted presentations to upper management and executive teams for loan recommendations

●Analyzed customer data such as financial statements to determine level of risk involved for extending credit

●Made decisions and recommendations about extending lines of credit

●Complied with internal controls and government regulations

●Managed/Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews

●Improved understanding of financial statements, which helped in assessing risk.

●Performed credit reviews on corporations to assess financial conditions

●Gathered loan documentation for underwriting

●Worked within applicable standards, policies and regulatory guidelines to promote safe working environment

●Used critical thinking to break down problems, evaluate solutions and make decisions

●Advance knowledge on Power BI and Centrix

●Sales team support for customer calls. Upwards of 50 outbound and inbound of calls from and to brokers/ISO and clients a day.

11/2020 to 07/2022

Senior Underwriter II

FlagStar Bank

●Reviewed and verified employment and income information, reviewed credit history, and calculated the value of the borrower's collateral and assets

●Adhere to compliance regulations and guidelines

●Analyzed documents to ensure no fraudulent risk

●Documented reasons for approval or denial of loans and assisted with underwriting scenarios

●Ensured loan terms and property specifications met investor requirements and government regulations

●Re-scored loans through Desktop Underwriter and Loan Prospector, and documented loan appropriately to ensure accuracy and completeness of file.

●Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards

●Created debt analysis and comparison reports contrasting various conventional and government-backed financing options

●Advance knowledge on Salesforce

●20 to 30 outbound and inbound of calls from and to brokers and clients a day.

03/2019 to 11/2020

Senior Underwriter

United Shore/UWM – Pontiac, MI

●Reviewed and verified employment and income information, reviewed credit history, and calculated the value of the borrower's collateral and assets

●Monitor real time queues and identify high risk transactions within the business portfolio

●Risk analyzing

●Observe customer transactions to identify fraudulent activity

●Resolve queued transactions within the service level agreements to reduce potential revenue losses

●Adhere to compliance regulations and guidelines

●Analyzed documents to ensure no fraudulent risk

●Documented reasons for approval or denial of loans and assisted with underwriting scenarios

●Ensured loan terms and property specifications met investor requirements and government regulations

●Rescored loans through Desktop Underwriter and Loan Prospector, and documented loan appropriately to ensure accuracy and completeness of file

●Upwards of 50 outbound and inbound of calls from and to brokers and clients a day.

06/2018 to 03/2019

Data Analyst/ Fraud Auditor

CREDIBLY – Troy, MI

●Thoroughly and efficiently gather customer and issue information for resolution

●Provide accurate and thorough issue documentation in case notes

●Educate the customer where applicable to prevent the need for future contacts

●Demonstrate exceptional customer communications (verbal and written) with elements of empathy, active listening, and understanding

●Ensure confidentiality of all information collected during investigation

●Continuously elevate and identify opportunities to drive process improvements that positively impact the customer's experience

●Support varying case types and project work as needed by the business

●Maintain a high level of productivity to ensure that the team is meeting service level requirements.

●Identified and documented detailed business rules and use cases based on requirements analysis.

●Researched and resolved issues regarding integrity of data flow into databases.

●Upheld security and confidentiality of documents and data within area of responsibility.

●Extracted and interpreted data patterns to translate findings into actionable outcomes.

●Created various Excel documents to assist with pulling metrics data and presenting information to stakeholders for concise explanations of best placement for needed resources.

07/2011 to 09/2017

Bank Teller

PNC Bank – Hamtramck, MI

●Cash handling (ranging from $12,000-$500,000), meeting quota of calling customers to set up appointments, having extensive knowledge in product company offers

●Meeting monthly referral/sale goals

●Extensive knowledge about products and making sure customer financial needs are met by informing about the products - give them a very pleasing experience when it comes to their banking needs

●In charge of branch purchasing

●ATM & TCR knowledge.

04/2011 to 08/2011

Supervisor/Customer Care Associate

Kmart – Warren, MI

●Oversee the daily operation of store and a team of cashier (4-8 cashiers daily)

●Train new employees on store procedures, resulting in enhanced productivity

●Stay current on current corporate and HR policies and procedures to implement in store

●Resolve customer and employee issues using strong problem-solving skills

●Track store inventories to make sure it remains stocked

●Meet sale goals and make sure team is too.

Education

04/2022

Bachelor's: Human Resource Management/ Business Management

Davenport University - Warren, MI

05/2015

Liberal Arts: Business Administration

Macomb Community College - Warren, MI

Skills

●Customer service (10 year +)

●Microsoft Office (10 year +)

●MS OFFICE (10 year +)

●Organization skills (10 year +)

●Presentation skills (10 year +)

●Risk Management (5 year +)

●Underwriting (4 year +)

●Credit Analysis (10 year +)

●Financial Analysis (5 year +)

●Ability to learn new software easily

●Solid working knowledge of Microsoft Office Suite

●Excellent organization skills and oral/written communication skills

●Highly developed organization, project management, and presentation skills

●Excellent interpersonal, communication, and customer service skills, ability to establish professional

●Working relationships with team members, hiring managers, universities, and candidates

●Ability to thrive in fast-paced culture with the flexibility to adjust to changing work flows and

●Demands

●Very strong attention to detail

●Track record of professionalism and integrity

Contact this candidate