Credit Union Risk

ELIZABETH B. PARKER

ACCOUNTING & FINANCE

Watauga, TN 37694 423-***-**** *********@*****.***

Eastman Credit Union • LabConnect • Citi Bank • Bank of Tennessee • Scottrade • GreenBank Awarded Citi Star for Quality Excellence

Top Tier Performer at Eastman Credit Union Asset Recovery Dept Collector of the Month Award in October of 2020

AREAS OF EXPERTISE

Detail Oriented, Strong Organizational Skills Tech Savvy Attention to Detail Self-starter and Team Player Collections High Volume Focus on Quality and Service Customer Service Accounting Protocols Able to Meet Multiple Deadlines Negotiation Finance Protocols Manage a Heavy Workload Serving as SME Month End Close Reconciliation MS Excel, Word, Power Poimt Coaching, Leading EDUCATION

EAST TENNESSEE STATE UNIVERSITY, Johnson City, Tennessee Bachelor of Business Administration: Double Major Accounting & Finance, 2012 150/150 hours for CPA License

Accreditation: Association to Advance Collegiate Schools of Business CAREER NARRATIVE

Block Inc. / Square July 2024 – Present

Credit Risk Analyst

Assesses creditworthiness of existing clients

Perform reviews of multi-million dollar merchant processing accounts and take action within risk policies

Analyze risks associated with different seller business models and card processing patterns

Document decisions and in accordance with underwriting guidelines

Analyzes credit data and financial statements of businesses to determine the degree of risk/exposure involved in extending credit

Focused on credit risk monitoring and ongoing management of corporate clients

Reviews customer accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company

U.S. Bank/ Elavon June 2022 – June 2024

Corporate Credit Analyst - Officer

Assesses creditworthiness of existing and prospective clients

Examining financial transactions and credit history case by case

Completing ratio, trend and cash flow analyses and creating projections

Analyzes credit data and financial statements of corporations to determine the degree of risk/exposure involved in extending credit

Focuses on credit risk monitoring and ongoing management of corporate clients

Reviews customer accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company

ELIZABETH B. PARKER

ACCOUNTING & FINANCE

Watauga, TN 37694 423-***-**** *********@*****.*** Eastman Credit Union • LabConnect • Citi Bank • Bank of Tennessee • Scottrade • GreenBank EASTMAN CREDIT UNION Oct 2020 – May 2022

Account Resolution Assistant/Asset Recovery

Manages and controls of delinquent accounts to protect the assets of the Credit Union and minimize losses

Performs collection of all consumer, commercial, credit card, and real estate loans in compliance with state and federal laws and regulations

Reviews loans for CUNA claims, worked with members who needed payment arrangements, processed GAP cancellation

Serves as Subject Matter Expert for ECU personnel on issue related to losses, delinquencies, repossessions, seizures, collection accounts, judgements, charge offs, corrections, late fees, skips, bankruptcy matters, foreclosures, limit removals and ODPP removal

Recommends, prepares/authorizes vehicles to be sent for repossession, submits repossession orders via web-based application

Acts as a representative on behalf of the Credit Union on an ongoing basis with legal firms, credit bureau agencies, government agencies, repossession agencies, auction companies, and software companies Key Achievements

Produces collection of debt in 85% of cases, managing 450 accounts

Received 5 out of 5 rankings on customer surveys

Top Tier Performer at Eastman Credit Union Asset Recovery Dept

Received collector of the month award in October of 2020

Selected by manager to be a Team Leader

LABCONNECT Jan 2020 – Oct 2020

Billing Specialist/Accountant

Managed all Budget Initiation and Revision invoices, preparing job journals and posting to MS Dynamics NAV

Prepared pre-billing reports for project manager review

Worked with Project Management to issue invoices and project purchase orders

Ensured steady cash flow by generating, auditing, and sending invoices in a timely manner

Ensured adherence to applicable accounting guidelines

Managed client inquires, including collaboration with internal departments and provided resolution Key Achievements

Recruited based on high achievement in the banking industry

Highly valued for ability to console upset customers

Established policies and procedures in a startup environment EASTMAN CREDIT UNION Oct 2019 – Jan 2020

Account Resolution Assistant/Asset Recovery

Manages and controls of delinquent accounts to protect the assets of the Credit Union and minimize losses

Performs collection of all consumer, commercial, credit card, and real estate loans in compliance with state and federal laws and regulations

Reviews loans for CUNA claims, worked with members who needed payment arrangements, processed GAP cancellation

Serves as Subject Matter Expert for ECU personnel on issue related to losses, delinquencies, repossessions, seizures, collection accounts, judgements, charge offs, corrections, late fees, skips, bankruptcy matters, foreclosures, limit removals and ODPP removal

Recommends, prepares/authorizes vehicles to be sent for repossession, submits repossession orders via web-based application

Acts as a representative on behalf of the Credit Union on an ongoing basis with legal firms, credit bureau agencies, government agencies, repossession agencies, auction companies, and software companies ELIZABETH B. PARKER

ACCOUNTING & FINANCE

Watauga, TN 37694 423-***-**** *********@*****.*** Eastman Credit Union • LabConnect • Citi Bank • Bank of Tennessee • Scottrade • GreenBank Key Achievements

Won Collector of the Month 2 months in a row

Selected by manager to be a Team Leader

CITI BANK Sep 2018 – Aug 2019

Credit Initiation Specialist 5 CRS Remediation Team Completed remediation reports sent to team by business control; analyzed reports for trends and spotting areas for agent feedback to reduce # of errors

Performed work tied to multiple groups within the business control and operations teams

Monitored CI SharePoint site to care for any processing errors, applications approved in error and applications stuck in queue

Ensured letters were requested/processed within appropriate timeframe standards in accordance with Federal Regulatory Requirements

Managed Remediation of accounts approved with open OFAC alert flags Key Achievements

Selected to coach team members

Selected to manage escalated calls

Selected for the Citi Salutes Committee

Awarded Citi Star for Quality Excellence

Successfully lead a team of 7 to meet all availability and adherence goals

Compiled and distributed daily availability and adherence reports for Supervisor CITI BANK Oct 2013 – Sep 2018

Credit Maintenance Specialist 4,$75K unsecured lendingauthority BANK OF TENNESSEE Oct 2012 – Sep 2013

Accounting Specialist/Treasury Specialist

SCOTTSTRADE Aug 2011 – Jun 2012

Intern(1 year contract)

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