RICHARD C. GRANDE
Calgary,Canada
Summary
Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing, financial company, and other related companies.
Overview
23
23
years of professional experience
Work History
Credit Analyst
TForce Freight Company
03.2022 - Current
- 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 cash flow by diligently tracking and reconciling customer payments, ensuring prompt resolution of discrepancies for accounts placed to collections.
- Conducted account analysis based on bankruptcy code.
Account Officer
RCBC Leasing & Finance, Inc.
01.2020 - 06.2020
- Developed strong relationships with clients by promptly addressing inquiries or concerns related to their accounts.
- Increased sales revenue by developing and implementing effective sales strategies.
- Responded to requests for information and resolved issues quickly.
- Increased client satisfaction by providing timely and accurate financial reports.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Conducted financial review and recommends customer lines of credit by assessing company financials and initiating credit application reviews.
Account Officer
BDO Leasing & Finance, Inc.
10.2010 - 07.2019
- Developed strong relationships with clients by promptly addressing inquiries or concerns related to their accounts.
- Increased sales revenue by developing and implementing effective sales strategies.
- Responded to requests for information and resolved issues quickly.
- Increased client satisfaction by providing timely and accurate financial reports.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Conducted financial review and recommends customer lines of credit by assessing company financials and initiating credit application reviews.
Microfinance Unit Head / Product Manager
FICOBANK, Inc.
01.2005 - 09.2010
- Developed product documentation to communicate upcoming features and products to internal teams.
- Collaborated with sales teams to develop effective training materials that drove increased product knowledge among staff members, resulting in higher close rates.
- Coordinated design meetings and decisions with internal departments and teams.
- Collaborated with sales, marketing, and support teams to launch products on time and within budget.
- Managed full product lifecycle, from ideation through post-launch support, ensuring consistent quality control measures were in place.
- Collaborated with hiring managers to identify talent needs and develop effective job descriptions.
- Developed and implemented comprehensive training program to increase employee productivity and morale.
- Developed short-term goals and long-term strategic plans to improve risk control and mitigation.
Credit Analyst
FICOBANK, Inc.
05.2001 - 12.2004
- Reviewed customer financial data to ascertain the level of risk involved in extending credit
- Worked closely with both customers and the sales team to reconcile accounts and oversee payment negotiation
- Worked closely with team members to deliver project requirements, develop solutions and meet deadlines
- Demonstrated self-reliance by meeting and exceeding workflow needs.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
Education
International Business Management - Advanced Business Management
Niagara College
Toronto, ON04.2022
Bachelor of Science in Business Administration - Business Management
Isabela State University
Philippines05.2001
Skills
- Customer service
- Account Management
- Goal-oriented
- Relationship management
- Key account generation
- Financial statement review
- Data analytics
- Loan documentation
- Project coordination
- Credit decisions
- Data Analysis
- Credit Reporting
- Financial statements expertise
- Relationship Management
- Oral and written communications
- Sales expertise
- International market understanding
- Financial statement analysis
- Risk Assessment
- Credit risk
Accomplishments
Best Account Officers for years 2012, 2013, 2014, 2016, 2018
Languages
English
Full Professional
Timeline
Credit Analyst
TForce Freight Company
03.2022 - Current
Account Officer
RCBC Leasing & Finance, Inc.
01.2020 - 06.2020
Account Officer
BDO Leasing & Finance, Inc.
10.2010 - 07.2019
Microfinance Unit Head / Product Manager
FICOBANK, Inc.
01.2005 - 09.2010
Credit Analyst
FICOBANK, Inc.
05.2001 - 12.2004
International Business Management - Advanced Business Management
Niagara College
Bachelor of Science in Business Administration - Business Management
Isabela State University
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