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business loan processor credit analyst resume example with 7+ years of experience

Jessica Claire
  • , , 609 Johnson Ave., 49204, Tulsa, OK 100 Montgomery St. 10th Floor
  • Home: (555) 432-1000
  • Cell:
  • resumesample@example.com
  • :
Summary

Proactive and bilingual Credit Analyst well-versed in developing credit risk models. Looking to bring a successful background in account management and credit research to increase a company's services and market share. Any deficiency in experience can be made up in my creativity, scrappiness, and problem-solving ability.

Skills
  • Fluent in Spanish
  • Supervision & Leadership
  • Credit Analysis
  • Financial Statement Review
  • Loan Documentation
  • Proficiency in Microsoft Office and Google applications.
  • Account opening and servicing, leadership, and navigating a fast-paced ambiguous environment.
  • Relationship Building
  • Reliable & Trustworthy
Experience
Business Loan Processor/Credit Analyst, 06/2022 to 06/2023
Pacific NW Federal Credit UnionCity, STATE,
  • Understanding of P&L’s, balance sheets, reviewing business and personal tax returns, utilizing spreading software
  • Reviewed customer financial data to ascertain level of risk involved for extending credit.
  • Underwrite all business loan applications and submitted decisions directly to the Chief Lending Officer.
  • Conducted Annual reviews for 2 million+ in business loans
  • Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.
  • Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
  • Opened walk in and online business memberships.
  • Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
  • Conducted credit reviews on corporations to assess financial conditions.
  • Monitored and maintained compliance with internal controls and government regulations.
  • Presented key information to upper management and executive team for loan recommendations.
  • Collected and organized loan documents before submission to underwriting.
  • Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
  • Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
  • Demonstrated leadership by making improvements to work processes and helping to train others.
  • Experience writing in depth credit memos.
Member Relationship Officer, 08/2021 to 06/2022
Onpoint Community Credit UnionCity, STATE,
  • Achieved 138% of YTD loan volume goal by closing over $900k in loans and maintaining a pipeline of 15+ loans
  • Communicated effectively with borrowers to collect necessary information and provide status updates
  • Received highest percentage of perfect customer satisfaction surveys among all team members.
  • Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
Teller Coordinator/Assistant Branch Manager, 02/2021 to 08/2021
OnPoint Community Credit UnionCity, STATE,
  • Reviewed and coordinated daily branch reports between various departments Aided the training of multiple new hires through shadowing, mentorship, and goal accountability Acted as liaison for all branch compliance requirements
  • Supervised 8 branch team members and provided management with suggestions regarding performance assessments.
  • Reviewed applications against established parameters to determine approval, rejection or modification requirements.
  • Exceeded monthly referral and production goals for 7 consecutive months – totaled 193% of yearly goal
  • Demonstrated ability to successfully oversee branch operations numerous times in absence of management Lead all service specialist companywide in yearly production performance on a pro rata basis (started halfway)
  • Gained superior expertise of company products by servicing hundreds of members bilingually (Spanish-English)
  • Monitored daily operations and supported Branch Manager in necessary duties.
  • Supervised branch personnel and operations in absence of branch manager, keeping operations and workflows running smoothly.
  • Trained and mentored highly effective teams to meet corporate service standards.
  • Worked with regulatory representatives to complete accurate filings and maintain compliance.
  • Developed strategy to achieve target sales goals.
Licensed Insurance Producer, 06/2018 to 10/2018
American Family InsuranceCity, STATE,
  • Processed 100+ insurance applications for potential clients bilingually (Spanish – English)
  • Filled deal pipeline through own sourcing efforts such as cold calling, networking, and referrals
  • Closed 50+ deals spawned from start to finish through personal due diligence and sales efforts.
  • Responded to inquiries and explained product features and service advantages to potential customers.
  • Upsold products to policyholders and potential new clients.
  • Increased sales through consultative sales approach and focused relationship building with new and existing policy holders.
Customer Relations – Team Lead, 07/2015 to 06/2018
Integra Financial ServicesCity, STATE,
  • Coached a team of 4-10 individuals in latest policies, performance standards, and compliance training
  • Monitored and reviewed weekly/monthly training and performance goals for team and team members
  • Oversaw individual team member development through one-one-one coaching and team meetings.
  • Demonstrated excellent communication skills in resolving product and consumer complaints.
  • De-escalated problematic customer concerns, maintaining calm, friendly demeanor.
  • Monitored team progress and enforced deadlines.
  • Collaborated with management team to implement new work procedures or policies.
  • Implemented performance, quality and efficiency measures to achieve aggressive production goals.
Volunteer Representative & Finance Manager, 08/2012 to 09/2014
The Church Of Jesus Christ Of Latter, Day SaintsCity, STATE,
  • Learned to speak, write, and read Spanish with high proficient fluency level within 6 months
  • Contacted personally 15,000+ and helped 300+ individuals and families with life coaching and community service
  • Managed a budget of $1 million+ allocating for operating and living expenses of 200+ other volunteers.
Education and Training
Bachelor of Arts: Spanish, Expected in to Utah State University - Logan, Utah
GPA:
Legacy scholarship and Anne Pearson Foundation scholarship recipient Extra-Curricular: USU Spanish Club, USU Intramural Champion
Relevant Coursework: Principles of Accounting, Business Finance, Advanced Business Spanish, Marketing, Hispanic Culture and Literature, Interpersonal Communication, Spanish Oral Communication: , Expected in to - ,
GPA:

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Resume Overview

School Attended

  • Utah State University

Job Titles Held:

  • Business Loan Processor/Credit Analyst
  • Member Relationship Officer
  • Teller Coordinator/Assistant Branch Manager
  • Licensed Insurance Producer
  • Customer Relations – Team Lead
  • Volunteer Representative & Finance Manager

Degrees

  • Bachelor of Arts
  • Relevant Coursework: Principles of Accounting, Business Finance, Advanced Business Spanish, Marketing, Hispanic Culture and Literature, Interpersonal Communication, Spanish Oral Communication

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