Summary
Overview
Work History
Education
Languages
References
Timeline
Generic
MARGARITA GARCIA

MARGARITA GARCIA

Irvine

Summary

Methodical credit risk analyst and underwriter analyst committed to meeting strict 24-hour deadlines and personally guiding clients through the underwriting process. Expertise in credit and income analysis, loan closing, and risk assessment. An innovative and diligent individual was commended for working collaboratively with team members and accurately completing loan packages. Organized and dependable candidate, successful at managing multiple priorities, with a positive attitude. Willingness to take on added responsibilities to meet team goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously, with a high degree of accuracy. To seek and maintain a full-time position that offers professional challenges, utilizing interpersonal skills, excellent time management, and problem-solving skills.

Overview

6
6
years of professional experience

Work History

Credit Risk Analyst

Stax Payments
Orlando
01.2024 - 12.2024
  • Analyzed credit risk data to assess client financial stability.
  • Collaborated with cross-functional teams to enhance risk assessment processes.
  • Conducted research on market trends affecting credit risk exposure.
  • Presented findings and recommendations to senior management regularly.
  • Analyzed historical credit trends to identify areas of risk exposure.
  • Participated in cross-functional meetings with other departments such as marketing, sales, operations.
  • Assessed loan applications according to established criteria and provided recommendations on approval or denial.
  • Actively monitored industry developments relating to consumer protection laws, regulations, best practices.

Underwriting Analyst

Payment Depot
Orange
07.2018 - 12.2022
  • Reviewed credit reports and financial statements to ensure accuracy and completeness.
  • Analyzed underwriting applications for accuracy and compliance with company standards.
  • Performed due diligence by assessing data.
  • Calculated debt ratios, income, terms, and payments for loan applicant assessments.
  • Developed file management systems to enhance department efficiency by 80%.
  • Performed second-level reviews for loans recommended for denial, aiding re-negotiations.
  • Trained and provided feedback to a 12-member underwriting team on policies and decisions.
  • Evaluated various factors including debt ratios and credit scores in underwriting decisions.
  • Identified portfolio risks from business practices, investigations, or fraud exposure.
  • Assisted Operations Team in calculating renewal rates based on demographic information.

Education

Associate of Science - Accounting And Finance

Santiago Canyon College
Orange, CA
05-2015

Languages

Spanish
Professional

References

References available upon request.

Timeline

Credit Risk Analyst

Stax Payments
01.2024 - 12.2024

Underwriting Analyst

Payment Depot
07.2018 - 12.2022

Associate of Science - Accounting And Finance

Santiago Canyon College
MARGARITA GARCIA