Portfolio Analyst
Resume:
TRACY GOLINSKI
* **** *****, ******** ** *****
*******@*****.***
RELATIONSHIP MGMT. /SUPPORT SPECIALIST/ ANALYST
Professional capable of immediate impact on organization's management, service and analysis of accounts resulting in customer retention/satisfaction while minimizing risk, exposure and financial loss.
SUMMARY OF QUALIFICATIONS
BA Degree with extensive professional experience in Account Management, Customer Relations, Sales Support, Collections, A/R, Credit Analysis and Project Management. Experience with all aspects of Fortune 500 accounts, able to interface with all levels of an organization, lead, resolve conflict, and get the job done.
Expertise and knowledge in areas such as:
- Account Management - Cross-functional Support
- Credit Risk Management/Fraud - Key Client Relations
- Process Improvements - Analysis and Reporting
- Negotiations - Pipeline Management & Forecasting
- Credit Analysis - Project Management
PROFESSIONAL EXPERIENCE
CHASE PAYMENTECH, Salem NH 4/2008-Present
Credit Portfolio Analyst II
Obtain current financial statements for all merchants
Perform high level overview and analysis of merchant financials to determine current and future risk/exposure
Responsible for determining escalations, assigning workloads and being the main point of contact for Credit Department as a whole
Update and maintain excel spreadsheets relating to monthly department work flow, monthly department credit reviews due, status of review signoffs with upper management and ultimately responsible for disseminating this information to department heads company-wide
Work with Account Executives, Sales and merchants to help them understand Credit policies/procedures
Approve company mergers and acquisitions, name changes, bank changes, new products, websites and processing divisions
Ensure Visa/MasterCard regulations are met in relation to merchant approval/processing
Review and process all department invoices
Maintain vendor relationships
CHASE PAYMENTECH, Salem, NH 4/2007-4/2008
Small Business Account Executive
Responsible for retention and growth of merchant portfolio worth over 3 million dollars
Increase company’s bottom line and grow business
Develop relationships and directly interact with all departments internally to ensure merchant’s account/issues are handled properly and in a timely manner
Responsible for project management from start to finish relating to software and processing upgrades, additional methods of payment, alternative payments, etc.
Ensure timely collection of past due funds within merchant portfolio
Effectively communicate important regulatory information pertaining to credit card processing and PCI compliance per MasterCard and Visa’s rules and regulations
Conduct internal and external conference calls as needed
NEW CENTURY MORTGAGE, Woburn, MA 5/2003-4/2007
Senior Account Manager
Provide internal sales support and service for over 20 million dollar monthly pipeline
Contribute to monthly branch profits by managing and closing over 10 million dollars in loans
Responsible for management and decision making in every step of loan process, including underwriting, loan benefit, fraud detection, processing, service, scheduling, and closing of loans
Develop, strengthen, and maintain relationships with external customers
Routinely order and review borrower credit reports
CENTEX HOME EQUITY, Burlington, MA 6/2002-5/2003
Senior Loan Processor
Supervise and train Set Up Processor
Review all files from processor to ensure accuracy and timely information gathering
Schedule closings and prepare closing documents
Create and maintain relationships with title companies, attorneys, appraisers, and network to develop further relationships
Pioneered first branch office in New England and ensured profitability in the first month of operation
MONSTER WORLDWIDE, INC., Maynard, MA 4/2000-6/2002
Senior Account Manager
Manage Fortune 500 client base in New England and central U.S., encompassing over 25 million dollars in yearly revenue
Manage global accounts in over 15+ countries
Analyze and discuss future purchasing and training needs with clients
Conduct on-site and webcast trainings for all clients
Increase Monster brand in local markets as an Event Coordinator circulating brand recognition through various national marketing events and trade shows
FORD MOTOR CREDIT COMPANY, Southboro, MA 6/1997-4/2000
Credit, Leasing, Collections Leader
Manage branch bankruptcy accounts and represent branch in court litigations
Supervise 4 person team that managed over 16,000 customer lease and retail accounts
Approve equity transfers and refinance loans for qualified customers
Request and analyze credit bureau reports to ensure accurate reporting of payments
Partner with recovery agents to locate missing collateral
Develop relationships with insurance companies and facilitate timely receipt of insurance checks for damaged vehicles and total losses
Schedule the auction dates for repossessed vehicles and facilitate timely receipt of funds for Ford Credit
Authorize the return of repossessed vehicles to customers
Participate in the training of new hires
Pioneered research team when searching for new office space out of state. Traveled to new site, researched community, schools, taxes, housing, and created power point presentation for branch employee awareness prior to relocating
EDUCATION / TRAINING / CERTIFICATION
Bachelor of Arts Degree in Business Administration, Worcester State College, Worcester, MA
Associates Degree in Communications, Endicott College, Beverly, MA
AMA Certificate of Completion in Fundamentals of Finance and Accounting for Administrative Professionals, 1.8 Continuing Education Units
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