Credit/Risk Analyst, Manager, Admin, Finance, CRM, Excel

Mr. YVON S. DESCIEUX

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

Home ***/ ***-****

Seeking to Transfer Broad-Based Skill Set, 8+ Years of Experience in the Finance Industry, and Year-Over-Year Portfolio of Business Development Success into a Financial/Credit Analysis, Sales, Administrative, Developmental or Management Position.

Core Knowledge & Skill Areas:

• Underwriting • Credit Analysis • Financial Analysis

• Contract Negotiations • Customer Service • Risk Analysis

• Accounting • Niche Market Development • Process Redesign/Streamlining

• CRM Implementation • Team Training & Mentoring • Regulatory Compliance Issues

RELEVANT EXPERIENCE

Crossroads- Equipment Lease &Finance Rancho Cucamonga,CA 03/2012-06/2012 contract

Credit Analyst- Documentation Specialist

• Evaluate financial and monetary documents and statements.

• Provide analytical services as part of a lending team.

• Prepare document packages for auto lease and loan.

AFEX- Associated Foreign Exchange, Inc. Encino, CA 01/2010-10/2011

US Credit/Risk Manager (New York, Chicago, San Francisco, Encino, Beverly Hills)

• Responsible for determining trading limits based on research and analysis.

• Gain understanding of client EFT process and assess where risk areas lie to determine the most effective controls to prevent, detect and deter EFT fraud.

• Evaluate customer type, transaction capabaliteis and patterns, methods of money transfer, volume and number of transactions, geographic location of originators and beneficiaries.

• Identified key risks and mitigating factors of potential investments, such as asset types and values, legal and ownership structure, professional reputations, customer bases, or industry segments.

• Identify and analyze areas of potential risk to the assets, earning capacity, or success of an organization.

• Worked with the Office of Thrift Supervision and banks to resolve issies of wire-transfer/EFT fraud.

Wells Fargo Bank/Wells Fargo Financial, Chino Hills, CA 11/2007 – 12/2009

Business Banker

• Build long term relationships with customers by listening, understanding needs, and offering viable solutions.

• Interview clients to determine their current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance, and other information needed to develop a financial plan.

• Business to Business Sales/Business Development

Customer Service

• Team Player

• Conflict resolution

• Works w/ integrity

Countrywide Bank, West Covina, CA 07/2006- 10/2007

Credit Analyst/Loan Officer

• Responsible for conducting routine credit investigations on companies and industries. Functions include: gathering and reviewing routine credit information for loans; preparing credit reports for presentation; spreading financial/credit information; monitoring and following up on credit covenants, monitoring documentation exceptions, responding to customer inquiries; ensuring credit files are current; generating status reports for management/bankers; contacting available sources of information.

• Maintain service, talk/wrap time, data, and client/consumer satisfaction levels.

• Provided strong communication skills, analytical skills and credit management for products such as FHA, VA, Sub-Prime, Conventional, ARM, and HELOCS.

Administrative Skills

• Focused

• Organized

• Detail oriented

• Efficient with multi-tasking

Ameriquest Mortgage Company, Rancho Cucamonga and Cerritos, CA 02/2004 – 07/2006

Underwriter

Purchase Loan Manager

Directed call center operations as a liason between clients, supervisors and call center employees. Administer performace management by diagnosing improvement opportunites, providing effective feedback, coaching, training, professional development, and corrective action plans

• Produced standard and complex rate quotes for existing and prospective business.

• Reviewed call center statistics to measure staff performance and the need for improvement.

• Managed monthly revenue reports.

• Developend sales techniques of each customer service representative to drive revenue growth.

• Analyzed group utilization to manage and forecast risk.

• Worked in a consulting capacity with account managers regarding alternate benefit design, rate explanations, and rating strategies.

• Participated in external meetings with clients or brokers in conjunction with sales or account management staff.

• Balanced deadlines and met established departmental turnaround goals.

EDUCATION & PROFESSIONAL DEVELOPMENT

University of Phoenix, Phoenix, AZ

Master of Business Administration (MBA) June 2008

University of North Carolina at Greensboro, Greensboro, NC

Bachelor of Science (B.S.) June 1999

**Academic Scholarship Recipient

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