SUMMARY:

• 9 years of experience in banking and finance
• B.S. in Business Management and Accounting 2006
• 6 years of experience supporting large bank operations
• 3 years of experience in leading customer support teams
• A proficient and detail - oriented professional with more than 9 years of combined experience in banking and finance.
• Currently seeking a challenging position that meet my educational skills and enhance my career.

TECHNOLOGY:

• Expert user at MS Office Suite (Word, Excel, “Advanced V-Lookups & Pivot Tables”, PowerPoint, SharePoint), Outlook, Home Base, Home Saver, implementing “Dashboards” and “Cube Reporting”.
• AS400, MSP, SAS “Statistical Analysis System”, SAP “Systems, Applications, Products in Data mining & Processing”, YOMI, C3, PEGA, Microsoft SQL, Knowledgeable in HELOC “Home Equity Line Of Credit”, SDLC, BS 25999, SCOUTWorks, Tableau Analytics, Experian, Dunn and Bradstreet

EXPERIENCE:

Confidential, Dallas, Texas

Financial Analyst

Responsibilities:

• Streamline spending analysis WOTC applications to a more accurate, efficient and automated process.
• Identify operational processes inefficiencies and recommend necessary improvements, design and create weekly & monthly spending reports to upper management.
• Perform quality checks to ensure each application is correctly prepared and complete by using SCOUTWorks. Review the full P&L during close periods to ensure financial data accuracy.
• Analyze balance sheets, income statements, cash flow statements and general ledger to determine the creditworthiness of commercial borrowers.
• Frequent communication with team members and other related teams to ensure quality and efficient processes are maintained.

Confidential, Lewisville, Texas

Sr. Credit / Financial Analyst

Responsibilities:

• Performed Internal Quality Review - sampling and quality control loan level testing, analyzing, and researching of loan modifications Quality Assurance and Testing (OQAT).
• Settlement Validation - execute quality oversight/testing of loan integrity from servicing to modification.
• Conducted internal reconciliations with a focus on procedural efficiencies and regulatory and compliance standards using MSP.
• Analyzed trends, reviewed systems and operations, reviewed financial reporting, as well as several other targeted areas that assisted our clients in making sound credit or investment decisions.
• Assisted as necessary with maintenance of procedures to ensure most recent version is up to date with policies and processes.
• Documented coverage analysis using Chase preferred methods, i.e. SharePoint, as required.

Confidential, Texas

Case Management Process Support & Credit Analyst (QA)

Responsibilities:

• Audited & analyzed Commercial and Residential Loan financials.
• Reviewed a portfolio of loans in default, completed second mortgage modification, processing loans and run net present value model using PEGA system and SQL querying.
• Reviewed Commercial loan submissions for completeness, credit applications and references, gathered, analyzed customer's budgets & reviewed financial statements, and utilized credit reports and other industry credit information using Experian, Tableau Analytics and SQL querying
• Calculated borrower's income and debt-to-income ratios based on agencies practices by using C3 system and reconcile transactions by comparing and correcting data
• Gathered, analyzed data, document the business and technical requirements in support of computerization Data Quality (DQ) Rules and Compliance Risk Tests

Confidential, Iowa

Credit Analyst

Responsibilities:

• Collected on designated delinquent accounts to resolve account delinquency and prevent losses
• Demonstrated good customer service skills while initiating outbound calls and receiving inbound calls from customers
• Evaluated commercial customer's credit worthiness, refinanced mortgages, offered solutions to customers & handled cash transactions
• Managed customer portfolio, services relationships & sold retail banking products and services
• Developed and maintained relationships with Confidential partners to maximize sales opportunities and achieve minimum sales standards.

Confidential

Financial / Credit Risk Analyst

Responsibilities:

• Handled legal actions, supervised junior loan officers to achieve their targets and assisted with various daily, monthly, quarterly financial closing reports
• Reviewed, analyzed & underwrote Commercial Auto Loans, Credit Cards and performed account reconciliations for financials and other operational data by using SAS
• Developed financial processes, accounting controls and management reporting system. Translated results into meaningful business recommendations to Upper Management, Risk Management, and across departments by using Tableau Analytics and YOMI system
• Developed and maintained the operating, capital and campaign budgets financial models to evaluate and measure performance through metrics, scorecards, and benchmarking
• Managed risk and receivables of an assigned accounts receivable portfolio.
• Resolved account disputes and inquiries, handled collection negotiations, and reconciled customer accounts. Managed bankruptcy filings.