To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
18
18
years of professional experience
Work History
Credit Analyst/Customer Service Care
Fairstone Financial Inc
02.2021 - Current
Analyzing credit data and financial statements to determine the degree of risk involved in extending credit or lending money
Conferring with credit association and other business representatives to exchange credit information
Lending authority up to 250K
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.
Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
Assisted in maintaining a diversified portfolio through thoughtful selection of new customers based on rigorous credit analysis standards.
Balanced growth objectives with prudent risk-taking, effectively managing the bank''s exposure to potential losses from lending activities.
Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
Analyzed credit scores to determine borrowers' creditworthiness.
Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
Assessed credit risk and analyzed financial statements.
Gathered loan documentation for underwriting.
Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
Complied with internal controls and government regulations.
Negotiated payment plans and loan terms with delinquent customers.
Complete loan applications, including credit analysis and summaries of loan requests, and decision an application
Evaluating customer records and recommend payment plans based on earnings, savings, data, payment history, and purchase activity
Evaluating loan packages and recommend loan approval based on underwriting guidelines
Complying with federal, state, and company policies, procedures, and regulations.
Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
Streamlined the loan approval process for faster results by implementing an efficient credit scoring system.
Improved understanding of financial statements, which helped in assessing risk.
English Teacher
College International J. De La Fontaine
08.2020 - 12.2021
Enhanced student comprehension by incorporating visual aids and hands-on activities in lessons.
Improved classroom management by implementing consistent routines and clear expectations for behavior.
Increased student motivation by providing timely feedback and recognizing individual achievements.
Developed strong relationships with parents and guardians, fostering open communication regarding student progress and needs.
Differentiated instruction to accommodate diverse learner needs, ensuring all students had equal access to education opportunities.
Implemented project-based learning activities that encouraged collaboration, critical thinking, and problem-solving skills among students.
Developed innovative lesson plans to engage students in English language learning.
Prepared and implemented lesson plans covering required course topics.
Designed and implemented assessments to measure student progress in English language learning.
Utilized multimedia strategies and technology to convey information in fresh and interesting ways.
Established and maintained professional relationships with students, staff, parents and community members.
Monitored student progress and provided feedback to both students and parents.
Built variety of formative and summative assessments to measure student progress.