Jamari Middleton
Bakersfield
Summary
Experienced Credit Analyst offering well-developed skills in managing teams, record updates, and financial statement reviews. Pursuing a position in a busy organization where a qualified individual with an understanding of collections is highly sought.
Overview
2
2
years of professional experience
2025
2025
years of post-secondary education
Work History
Credit Analyst
Personal Business
Los Angeles
01.2025 - Current
- Analyzed credit applications to assess risk and recommend approval decisions.
- Reviewed financial statements to evaluate borrower creditworthiness and repayment ability.
- Monitored clients' financial performance and identified potential risks proactively.
- Prepared detailed reports summarizing credit analysis findings for management review.
- Communicated effectively with clients to gather necessary documentation and information.
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Prepared periodic reports detailing overall portfolio performance and trends in delinquency rates.
- Interpreted complex financial data such as balance sheets, cash flow statements and income statements.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Collaborated with other departments within the organization to ensure efficient processing of loan applications.
- Monitored customer accounts to ensure timely payments were made in accordance with loan agreements.
- Maintained accurate records of all transactions related to credit activities.
- Negotiated payment plans with customers, achieving sales and cash flow objectives.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Reconciled customer accounts to identify delinquencies or disputes, documenting root causes.
- Monitored and maintained compliance with internal controls and government regulations.
Fulfillment Associate
Amazon
Bakersfield
02.2025 - 09.2025
- Picked and packed customer orders accurately for timely shipment.
- Operated material handling equipment to move products efficiently within the warehouse.
- Maintained cleanliness and organization of work areas to ensure safety standards.
- Assisted in inventory management by restocking shelves and tracking stock levels.
- Collaborated with team members to streamline fulfillment processes during peak hours.
- Followed safety protocols while handling products and operating machinery daily.
- Scanned items using handheld devices to track order progress accurately.
- Communicated effectively with supervisors regarding workflow and inventory needs.
- Operated handheld scanners to track merchandise throughout fulfillment process.
Salesperson
Nissan Motor Corporation
Los Angeles
01.2025 - 08.2025
- Assisted customers with vehicle selections and provided detailed product information.
- Conducted vehicle demonstrations to showcase features and benefits effectively.
- Collaborated with team members to maintain a clean and organized showroom environment.
- Handled customer inquiries and resolved concerns in a timely manner.
- Supported sales initiatives by participating in promotional events and community outreach.
- Managed vehicle inventory by tracking stock levels and coordinating with management.
- Built strong relationships with customers to encourage repeat business and referrals.
- Utilized CRM software to document customer interactions and follow-up activities effectively.
- Developed key customer relationships to increase sales.
- Resolved customer complaints promptly and efficiently.
- Educated customers about products and services offered by the company.
- Advised customers on the latest product features and benefits.
- Assisted customers in selecting appropriate products or services for their needs.
- Provided personalized service to build relationships with customers.
Sales associate
Verizon Wireless
Virginia Beach
05.2024 - 01.2025
- Assisted customers with product selection and service inquiries.
- Demonstrated wireless products and services to enhance customer experience.
- Processed sales transactions efficiently using point-of-sale systems.
- Maintained store appearance by organizing merchandise displays and stock.
- Collaborated with team members to meet sales goals and customer needs.
- Educated customers on device features, plans, and promotions available.
- Handled customer complaints professionally to ensure satisfaction.
- Participated in training sessions to improve product knowledge and sales techniques.
- Helped customers find specific products, answered questions, and offered product advice.
- Greeted customers and provided exceptional customer service.
- Performed cashier duties such as accepting payments, issuing receipts and counting money back change.
- Handled customer complaints in a professional manner.
Education
Greenrun Highschool
Virgina Beach, VASkills
- Financial statement analysis
- Analyzing credit risk
- Credit decision making
- Customer relationship management
- Inventory management
- Product demonstration
- Order fulfillment
- Team collaboration
- Effective communication
- Problem solving
- Attention to detail
- Negotiation skills
- Customer service
- Presentation skills
- Exceptional customer service
- Sales training
- Order processing
- Merchandise display
- Contact follow-up
- Excellent communication skills
- Inventory tracking
- Brand promotion
- Exceeds sales goals
- Fraud detection
- Multi-tasking strength
- Customer engagement
- Contract preparation
- Inventory control
- Sales pipeline management
Timeline
Fulfillment Associate
Amazon
02.2025 - 09.2025
Credit Analyst
Personal Business
01.2025 - Current
Salesperson
Nissan Motor Corporation
01.2025 - 08.2025
Sales associate
Verizon Wireless
05.2024 - 01.2025
Greenrun Highschool