Credit Analyst, Credit Risk Resume

Desired Industry: Finance/Investment	SpiderID: 20673
Desired Job Location: Manhattan, New York	Date Posted: 4/15/2008
Type of Position: Full-Time Permanent	Availability Date: 05-01-2008
Desired Wage: 45,000.00
	U.S. Work Authorization: Yes
Job Level: Experienced with over 2 years experience	Willing to Travel: Yes, Less Than 25%
Highest Degree Attained: High School/Equivalent	Willing to Relocate: Undecided

Objective:
To obtain a position within a dynamic organization where I may utilize my interpersonal, organizational and communications skills.

Experience:
Bank officer administer credit and collection solutions on delinquent loans. Precise solutions on borrower’s credit and loan payment issues
Interact with compliance, legal and finance daily to perform a variety of tasks and solutions. Oversee investigation of credit risk and monitor bad debt risk. Implement process to improve cash flow, boost receivables and accomplish goals Monitor credit lines accounts and prevent loss ratio. Maintain monthly goals below 2.0. Work closely with senior management to maintain bank and customer satisfaction. Review daily report to prevent credit risk and account conditions. Update credit reports, resolve inaccurate credit reporting on loans and disputes
Contact customers and collect on past due accounts and offer account resolutions if needed.
Loan service analyst collects on delinquent accounts. Maintains good customer satisfaction with borrowers, and successfully solves problems in an effort to resolve account delinquency and prevent losses. Demonstrates good customer service skills while initiating outbound calls and receiving inbound calls from customers.
Negotiates account resolution and accurately inputs and documents actions within the collection systems while maintaining the organization’s policies and procedures, Maintain performance and productivity standards.
Handle escalated calls; perform skip tracing as required and basic clerical duties.

Education:
2004-2005
Kaplan University
Criminal Justice

Skills:
MS Window, MS Word, MS Excel, MS Outlook, PowerPoint, Outlook, Access, Internet and Lotus Notes, ACE, TCS, Doc View, Litcomm, AS400, Novell, E-medysis, One stop, Debtor Discovery, Fast data, First Pursuit, E-Oscar, Horizon, and I-Acquire.

Additional Information:
Contacted customers requesting delinquent Small Business Loans. Credit risk, approving and disapproving loan applications. assess credit
Negotiated payment options with friendly approach.
Met call standards daily 120. Top monthly goal $260k
Resolved accounts issues, settlements, stipulations, and clerical duties.
Adhere to Collections Policy and Procedures and Fair Debt Collections Practice Act

Reference:
upon request

Candidate Contact Information:

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