Summary
Overview
Work History
Education
Skills
Timeline
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Eric De Los Santos

North Hollywood

Summary

Accomplished Financial Analyst at Lendora, adept in financial management and SQL data analytics, enhanced budget accuracy and reduced delinquencies. Leveraged Python and Excel to streamline payment operations, demonstrating exceptional problem-solving and customer service skills. Proven track record in improving operational efficiency and financial integrity across multiple roles.

Overview

10
10
years of professional experience

Work History

Financial Analyst

Lendora
08.2022 - Current
  • Collaborated with cross-functional teams to develop and refine financial forecasts, contributing to an accurate budgeting process, to help cut down on delinquencies. Maintain strong relationships with borrowers, internal stake holders, and external stake holders.
  • Proven track record of providing exceptional customer service and support throughout the onboarding
    process. Experienced in working closely with sales teams, merchant partners, and internal departments to ensure a smooth onboarding experience for merchants and address inquiries promptly.
  • Solid background in payments operations, including processing payments and transactions, conducting
    reconciliation and settlement activities, and troubleshooting payment-related issues. Proficient in ensuring compliance with regulatory requirements and company policies while maintaining accuracy and timeliness in payment processing.
  • Skilled in managing multiple workflows simultaneously while maintaining attention to detail and meeting deadlines. Proven ability to prioritize tasks based on urgency, complexity, and business priorities to ensure smooth workflow progression and timely completion of projects.

Credit Risk Analyst

QUICKBOOKS CAPITAL
08.2021 - 08.2022
  • Optimized internal controls within the organization''s credit processes by implementing robust systems checks and balances.
  • Managed and optimized various risk management workflows including credit risk, market risk, operational risk, and liquidity risk. Using various programs, VISO Trust, Excel, LexusNexus, Experian, equifax, and SQl. As well as internal dashboards specifically made for our processes to track accuracy and stay with in SLA.
  • Monitored and analyzed key risk indicators, adjusting risk management strategies as necessary to mitigate identified risks. This would include macro-economic trends regarding industries, certain economic headwind's and uncertainty will change our lending approach.
  • Responded to and managed ticket requests, for the Quality Assurance team, to give those customers top priorities.
  • Onboarded new customers from all 50 states and Canada, for newly rolled out small business fin-tech products, all while maintaining to regulatory standards in both countries.

Underwriter

PennyMac
06.2020 - 08.2021
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
  • Made approval and denial recommendations by determining accurate risk levels.
  • Conducted financial analysis, including cash flow analysis, debt service coverage, and financial statement analysis and assisted in ensuring compliance with regulatory guidelines, bank policies, and underwriting standards.

Credit Analyst

Fundworks
06.2016 - 05.2020
  • Assessed credit risk and analyzed financial statements.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Analyzed credit scores to determine borrowers' creditworthiness.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Collaborated with sales and collections teams to ensure timely and effective resolution of delinquent accounts. As the SLA for us was less than 48 hours.

Assistant Manager

Hertz Car Rental
03.2014 - 06.2016
  • Supervised day-to-day operations to meet performance, quality and service expectations.
  • Maintained a clean, safe, and organized store environment to enhance the customer experience.
  • Developed strong working relationships with staff, fostering a positive work environment.
  • Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.
  • Managed inventory levels to minimize stockouts while reducing overhead costs.
  • Mentored junior staff members in their professional development by offering guidance/support in their assigned roles.
  • Generated repeat business through exceptional customer service and responded to customer concerns with friendly and knowledgeable service.

Education

Bachelor of Science - Applied Economics

California State University - Los Angeles
Los Angeles, CA
06.2016

Associate of Arts - Business Administration

Los Angeles Valley College
Van Nuys, CA
06.2013

Skills

  • Microsoft Excel
  • Financial and operational reporting
  • Financial Management
  • Financial statement analysis
  • Research and Data Analysis
  • Excel
  • Python(pandas)
  • SQL(data analytics)
  • Compiling Data
  • Financial statements expertise
  • Cash Flow Management
  • Data inputting
  • Due diligence

Timeline

Financial Analyst

Lendora
08.2022 - Current

Credit Risk Analyst

QUICKBOOKS CAPITAL
08.2021 - 08.2022

Underwriter

PennyMac
06.2020 - 08.2021

Credit Analyst

Fundworks
06.2016 - 05.2020

Assistant Manager

Hertz Car Rental
03.2014 - 06.2016

Bachelor of Science - Applied Economics

California State University - Los Angeles

Associate of Arts - Business Administration

Los Angeles Valley College

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Eric De Los Santos