Credit Risk Analyst

Kamela A. Russell

**** ****** ** **** ***** TX **112

**.**********@****.*** 214-***-****

Objective: To obtain a position where I can make positive contributions to your company and have the opportunity for- continuous growth as a professional. My work ethic and dedication are some of the reasons I know that I can make a positive impact.

Summary of Skills qualifications:

Microsoft Office Professional Suites 16+ Years

SQL/Oracle/SAP/Python 14+ Years

Commercial Underwriting/Credit Analysis/ Data Analysis 14+Years

Risk/Fraud Analysis/Investigator 14+ Years

Supervisor/Training/Coaching/Mentorship 13+Years

Professional Experience:

Citi Bank Las Colinas, TX Aug 22022- Mar 2024

Credit Risk Senior Analyst

Complete credit analysis memos and final obligor risk ratings based on independent assessment and judgment of the client knowledge to provide appropriate extensions of credit to Senior Management, while developing and maintaining risk acceptable criteria for credit underwriting guidelines

Evaluate credit risk on new and existing commercial loans; (including SBA loans) up to $2.5million across a wide variety of industries by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.

Review and analyze personal financial statements and tax returns, while utilizing national credit bureaus to evaluate the personal guarantor and Moody’s, Dun &Bradstreet, customer due diligence reports and related commercial bureau reports to evaluate the business creditworthiness.

Underwrite and assist in the credit decision queues to ensure activity remains fluent, while communicating credit decisions in a concise manner, verbally and written, to internal departments

Intuit (DISYS) Plano, TX Jul 2021- Oct 2021

Commercial Credit Analyst

Review credit data to evaluate commercial loan requests up to $750 thousand to approve or deny online applications.

Analyze sources of financial information via QuickBooks, such as financial statements, credit bureau reports and cash flows to determine potential risk and profitability of loan.

Prepare daily SQL reports on business cash flow analysis and financial ratios

Manually underwrite each loan application with minimum business contact

Conduct and perform research on specific industries, companies, and related trends.

Octane Lending Irving, TX Sep 2020- Jan 2022

Sr Credit Analyst

Team lead, review documentations for credit lending and customer credit worthiness

Evaluates a business's or individual business owner's creditworthiness; Reviews loan applications for fraud, compliance, and credit risks

Looks at all past credit purchases and banking transactions and, based on their findings, decides if a person has the cash flow capacity to service a loan

Reviews and interprets financial statements, including profit and loss, balance sheets, tax returns, and bank statements to determine a company’s true business cash flow

Makes recommendations based on collected data and sound personal judgment that mitigate risk to the company

Converses frequently with dealers via phone, email, and chat

Bank of America Fort Worth, TX Jan 2019- Oct 2019

Senior Risk Analyst Back Office

Review complex products for the prevention and detection of possible fraud. Responsible for research and analysis of account activity to assess levels of risk and fraud

Investigate and resolve risk issues that are generated from our internal risk management monitoring systems

Assesses the level of risk and makes decisions which directly impact the customer experience and risk to Bank of America including risk closure on accounts and suspension of online and deposit access for customers

Investigate business and consumer accounts for suspicious activity via online transfers and fraudulent deposits made either thru the ATM, banking center or wires/ach.

Identify fraud and scam rings and has saved the company millions of dollars by doing extensive research on these accounts, assist risk manager(s) on escalated/complex investigations

Harley Davidson Financial Services Plano, TX Aug-2013-Nov 2017

Senior Credit Analyst- Consumer and Commercial

Performed both quantitative and qualitative analysis of applicant requests for financing, to include personal and business credit reports.

Performs all investigation needed on credit applications such as pulling bureaus reports, verifies fraud alerts, contacts banks and other credit institutions to make informed decision.

Approval limits up to $100 thousand per consumer loan application; (SME)Subject Matter Expert-; Formally credit trained; Continuous Improvement

Team Lead of Risk Management team which included extensive verifications to identify potential financial exposures; Prepare SAR reports; Develop SQL/SAP reports of validations for credit risk estimations-Probability of Default; Daily usage of 3rd party verification vendors

Investigate existing accounts using daily reports, that monitor transaction spend and customer account changes

Assists the supervisor in the preparation of reports that includes month end reports, telephone reports, credit analyst and investigator reports.

Oversaw a portfolio of over 150 dealerships across all of US/Canada/Puerto Rico and Guam with loan request ranging in size from $250 thousand to $8 million: Commercial analysis of global and personal cash flow statements/budgets and credit letters

Education: B.S in Business Management/ Minor: Finance from Arizona State University 12/2025

A.A.S in Business Management from Eastern Gateway Community College 06/2021

Certified Court Reporter from Arlington Career Institute (75wpm; 12000ksph) 04/2010

P.L Dunbar High School- High School Diploma 05/2006

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