Stephen Creed
Cambridge,ON
Summary
Accomplished Senior Credit Analyst with a proven track record of enhancing risk management through meticulous financial analysis and problem-solving. Skilled in research and risk assessment, adept at improving processes and mentoring teams. Demonstrates exceptional attention to detail and communication. Highly educated in Criminal and Provincial Law through 5 years of Post-Secondary learning.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Senior Credit Analyst
Prefera Finance Ltd
07.2022 - Current
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Responsible for monthly audits on credit applications to ensure accuracy and good judgement was used during adjudication.
- Handled escalations and complaints from our dealer partners and internal sales reps.
- Trained and mentored new and existing analysts. Created training modules to assist in the training process.
Credit Analyst
Scotia Dealer Advantage
03.2021 - 07.2022
- 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.
- Volunteer member of the Employee Satisfaction Committee to improve Employee/Employer relations to increase morale and productivity
Credit/Collections Risk Analyst
Gordon Food Services
01.2019 - 03.2021
- Reduced financial losses due to effective identification and mitigation of potential risks in the portfolio.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
Research Assistant
Wilfrid Laurier University
09.2015 - 05.2016
- Conducted research on various Criminology tops for Dr. Stacey Hannem.
- Conducted literature reviews to support hypothesis development and identify gaps in existing knowledge.
- Organized research materials, maintaining a well-ordered workspace conducive to productivity.
- Participated actively in regular meetings with Dr. Hannem to discuss project updates, challenges faced, and lessons learned during ongoing activities.
Security Guard
TAG Protection Services/ Paladin Security
01.2010 - 01.2013
- Maintained a safe environment for staff and visitors through proactive surveillance and communication.
- Responded quickly to emergency situations to assess and deflect issues.
- Secured premises and personnel by patrolling property and monitoring surveillance equipment.
- Remained calm, assertive, and mindful to think critically and problem solve during stressful situations.
Education
Bachelor of Arts - Criminology
Wilfrid Laurier University
Brantford, ON05.2016
Diploma - Police Foundations
Humber College
Orangeville, ON05.2012
Skills
- Oral and written communications
- Risk Assessment & Analysis
- Attention to Detail
- Problem-Solving
- Active Listening
- Research Skills
- Incident reporting
- Ethical and honest
Languages
English
Native or Bilingual
Certification
- Private Investigator License - Ontario's Private Security and Investigative Services Act, 2005
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Work Preference
Work Type
Full TimeImportant To Me
Work-life balanceHealthcare benefitsCompany CultureTimeline
Senior Credit Analyst
Prefera Finance Ltd
07.2022 - Current
Credit Analyst
Scotia Dealer Advantage
03.2021 - 07.2022
Credit/Collections Risk Analyst
Gordon Food Services
01.2019 - 03.2021
Research Assistant
Wilfrid Laurier University
09.2015 - 05.2016
Security Guard
TAG Protection Services/ Paladin Security
01.2010 - 01.2013
Bachelor of Arts - Criminology
Wilfrid Laurier University
Diploma - Police Foundations
Humber College
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