Customer Service Credit Analyst

Ryan B. Knight

Millbury, MA ***** • 774-***-****

*************@*****.***

Credit Analyst

Results-oriented professional with extensive experience in financial services industry, specializing in credit analysis and loan administration. Proven record of evaluating credit risk, negotiating approvals, and ensuring compliance with industry standards and regulations. Adept at analyzing financial information, including payment to income, loan to value, and credit history, to assess loan quality and profitability. Skilled in reviewing and analyzing loan documentation, collaborating with stakeholders, and providing exceptional customer service. Proficient in utilizing reporting tools to measure individual and departmental performance. Excellent communication, analytical, and problem-solving skills with ability to navigate a performance-based culture, delivering results and accountability.

Areas of Expertise

Credit Analysis

Negotiation & Approval

Regulatory Compliance

Documentation Review

Fraud Detection & Risk Mitigation

Loan Quality Assessment

Exceptional Customer Service

Delinquency Resolution

Relationship Building

Training & Coaching

Cross-functional Collaboration

Collateral Management

Career Experience

American Cycle Finance – Marlborough, MA

Credit Analyst Oct 2021 – Present

Evaluate credit risk and financial data, including payment-to-income ratios, loan-to-value metrics, and credit history, to assess loan quality and profitability. Conduct daily negotiations with automotive dealerships to secure approvals.

Consistently met productivity and quality targets.

Achieved conversion of significant number of indirect loan applications to approvals within one-month timeframe.

Funding Administrator March 2019 – Oct 2021

Examined and analyzed loan documentation to ensure compliance with company standards and state/federal regulations. Verified employment, insurance, paystubs, proof of residence, and booksheets for accuracy and authenticity. Communicated suspected fraud and abnormal activity to management.

Achieved highest quarterly loan funding.

Collaborated with sales, credit, and dealer customers to provide top-notch customer service; identifying trends and areas of opportunity.

Wells Fargo Dealer Services – Westborough, MA

Loan Doc Specialist 4 Sept 2006 – Jan 2018

Executed various loan documentation duties on complex loans, applying in-depth knowledge of policies and procedures. Trained new associates, assigned work, checked work quality, facilitated departmental meetings, and participated in panel interviews.

Pioneered as first loan document specialist in the New England region.

Utilized reporting tools and measured individual and departmental performance.

Additional Experience

Collector III

Wells Fargo Dealer Services – Westborough, MA

Investment Accountant

PFPC Worldwide Inc – Westborough, MA

Education

Bachelor of Science in Business Administration (Concentration in Accounting, Marketing)

Worcester State College – Worcester, MA, (Jan 2000 – Dec 2004)

Affiliations

P.I.P. Food Shelter

Worcester State Business Club

Technical Proficiencies

Windows 11 MS Office Suite (Word, Excel, Access) Oracle Sentilink LexisNexus Equifax

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