Credit Analyst De La

CHRISTINE DE LA CRUZ

***** ****** ** *******, ** 78039 210-***-**** ******@*****.***

WORK HISTORY

CREDIT ANALYST

Becton, Dickinson and Company San Antonio, TX October 2012 - Present

Analyze financial statements, credit references and business credit Bureau reports in order to determine credit worthiness for the purpose of establishing credit lines for new and existing customers

Mitigate risk associated with credit granting decisions when conducting daily review of pending and blocked orders

Coordinate, organize, and facilitate the appropriate actions associated with collection activities in relation to payment issues, distribution of warning and final demand letters, in addition to account closures

Implement departmental and organizational policies and procedures when resolving complex issues associated with external customers, distributors and vendors

Making informed decisions regarding the approval or denial of credit applications along with credit limits and terms based on analysis

monitor existing accounts to identify early signs of financial distress with preparing regular reports on credit portfolio performance and risk exposure

communicate with clients to gather necessary financial information and also internally with teams to assist with client accounts

work closely with internal employees and sales representatives to discuss high risk accounts and strategic decisions

MEMBER REPRESENTATIVE

Western Federal Credit Union San Antonio, TX May 2008 – October 2010

Member service dealing with processing transactions such as deposits and loan payments

Submit and close on loans

Sales of products and services

Compliance with credit union regulations

Process client transactions

Assist management with monthly duties of balancing teller drawers, negotiables, and branch compliance

EDUCATION

Bachelor of Business Administration

University of the Incarnate Word San Antonio, TX December 2011

Master of Business Administration

University of the Incarnate Word San Antonio, TX August 2018

STRENGTHS

Able to lead, inspire and motivate others

Highly organized professional with excellent communication skills

Able to deliver superior customer service

Drive process efficiencies and strategic relationships

Emotional intelligence

Highly motivated

Able to interpret credit and financial statements

Proficient in excel, SAP, MS Teams

Believe in inclusion and diversity

ACKOWLEGMENTS

Lean & Six Sigma trained

Team award for Process Improvements

Xcelerate for highest number of process insights

Interim team supervisor

Team trainer

REFERENCES - Available Upon Request

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