Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Lishi Cao

Toronto,ON

Summary

Proven Credit Analyst with a track record of enhancing decision-making at Meridian Credit Union through advanced financial analysis and risk assessment. Skilled in Microsoft Excel and demonstrating exceptional verbal communication, effectively balanced business growth with credit risks. Streamlined operations across roles, improving efficiency and client satisfaction without compromising quality.

Overview

8
8
years of professional experience

Work History

Credit Analyst

Meridian Credit Union
12.2022 - Current
  • Assessed credit risk and analyzed financial statements.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Enhanced decision-making speed and quality by implementing state-of-the-art financial analysis software and tools.
  • Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
  • Collaborated with cross-functional teams for comprehensive client assessments, supporting informed decision making.
  • Supported the sales team in negotiating favorable terms, balancing business growth and credit risks effectively.
  • Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.

Administrative Assistant

401 Dixie Hyundai
09.2019 - 11.2022
  • Implemented new CRM system to track client interactions, improving response times and client satisfaction.
  • Continually sought methods for improving daily operations, communications with clients, recordkeeping, and data entry for increased efficiency.
  • Developed filing system for historical documents, preserving important company records and improving access to information.
  • Ensured accurate record-keeping with diligent data entry and database management for vital company information.
  • Streamlined invoice processing procedures to ensure timely payment of vendors while minimizing errors in financial records.

Receptionist

Nissan Downtown
08.2016 - 06.2018
  • Greeted incoming visitors and customers professionally and provided friendly, knowledgeable assistance.
  • Handled cash transactions and maintained sales and payments records accurately.
  • Provided administrative support to staff members by handling correspondence, filing documents, and managing office supplies inventory.
  • Streamlined front desk operations for increased efficiency by effectively managing phone calls, emails, and walk-in clients.
  • Supported office efficiency by performing clerical tasks such as data entry, photocopying, scanning, and faxing documents.
  • Assisted with onboarding new clients and securing paperwork completion.

Education

Bachelor of Science - Statistics&Mathematics

University of Toronto
Toronto, None
11-2018

Skills

  • Credit analysis
  • Financial statement analysis
  • Verbal and written communication
  • Microsoft Excel proficiency
  • Critical Thinking
  • Multitasking Abilities
  • Accounts receivable management
  • Proofreading proficiency
  • Deadline-oriented
  • Quality Assurance

Languages

English
Native or Bilingual
Chinese (Cantonese)
Native or Bilingual

Timeline

Credit Analyst

Meridian Credit Union
12.2022 - Current

Administrative Assistant

401 Dixie Hyundai
09.2019 - 11.2022

Receptionist

Nissan Downtown
08.2016 - 06.2018

Bachelor of Science - Statistics&Mathematics

University of Toronto

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Lishi Cao