Credit Support Analyst
World Business Lenders, LLC
Total years of experience :16 years, 10 Months
I'm an accomplished Credit Support Analyst with a proven track record in financial analysis, risk assessment, and portfolio management. Leveraging my expertise in evaluating creditworthiness, specialize in conducting thorough financial analyses and implementing strategies to optimize credit performance. My background includes managing credit portfolios, collaborating with cross-functional teams, and ensuring compliance with industry regulations.
Credit Analysis:
• Conducting a thorough analysis of credit data and financial statements to assess the creditworthiness of individuals, businesses, or organizations.
• Evaluating financial information to determine potential risks and making recommendations for credit limits and terms.
Financial Analysis:
• Proficient in analyzing financial statements, credit reports, and other relevant financial data to assess the creditworthiness of individuals and businesses.
Risk Assessment:
• Identifying and analyzing potential risks associated with extending credit to clients or counterparties.
• Utilizing various risk models and assessment tools to gauge the likelihood of default and the overall credit risk profile.
Data Analysis:
• Strong data analysis skills to interpret and derive meaningful insights from large datasets related to credit portfolios and performance.
Portfolio Management:
• Skills in monitoring and managing credit portfolios, including implementing strategies to optimize performance and mitigate potential losses.
• Maintaining production pipeline flow and condition clearing for optimum loan production for multiple loans and adhering to critical deadlines
• Efficiently processing over 100M in loans and lines of credit from origination to closing, covering loan requests from all over the United States
• Ability to analyze a borrower's financial statements, production reports, tax returns, and credit documentation for accuracy and compliance with lender guidelines
• Liaison between loan originator, borrower, and underwriting departments
• Processing commercial loans for startups, business lines of credit, factoring of receivables and equipment financing using conventional, SBA, USDA lenders & guidelines
• Successfully processing SBA EIDL loans
• Verified applicant's loan request, evaluated assets, and income data to underwriting guidelines
• Verified and corrected any title issues relevant to the property
• Structured and prepared Conventional, SBA, and Private Equity loan proposals and underwriting packages for loan committees & investment funds
• Assisting with the initiation, distribution, execution, closing, and filing of work orders
• Coordinating all move-in and move-out activity
• Review tenant files for lease compliance with insurance requirements
• Processing new tenant lease agreements, lease amendments, and lease terminations
• Instructing tenants with completing lease forms and explaining lease policies
• Real Estate Acquisition & Sales
• Maintained and managed multiple investment properties
• Analyze and assess the damage of several properties in Houston, TX and surrounding areas
• Arrange meetings with money lenders, potential investors, and first-time home buyers
• Analyze properties and market conditions to determine which are favorable for rehabilitation, Wholesale, Owner Financing, Re-Sale or Rent
• Showcasing the property in an efficient way, and making sure it is accessible to all the investors and real estate agents
• Negotiating with Realtors, Selling Agents and Private Owners (FSBOs) on multiple creative financing deals
• Conducting financial analysis on all properties acquired: cash flow analysis, expenses analysis, cap rate, future equity appreciation etc.
• Arrange Funding for the clients with Good, Bad and No Credit
• Responsible for finding, signing, implementing and optimizing large advertising partners for the affiliate program
• Responsible for new business development involving prospect development, understanding business, and technology scenario and needs, identifying opportunities, solution offerings and business case to the client & involvement in the preparation of proposals
• Built an effective major sales team which targeted enterprise accounts, in a fast-paced business environment to sell software solutions
• Tasked with developing business strategy, priority setting, team development, key account identification and cultivation, and revenue generation
• Effectively handling Technical Inbound calls from U.S customers regarding their computer problems
• Efficiently handling queries/ problems and provided the best possible solution
• Call Escalation: Efficiently handling call escalations and provided the best possible solutions to the customer through proper data research activities
• Training: Managed and trained new batches when they complete their process training. And providing training to the agents on the floor as and when required
• Process: Efficiently handling U.K Inbound Semi-Technical process for one of the biggest Internet Service Providers of World - AOL.
• Efficiently Handling queries/ problems and provided best possible solution to the members with AOL Broadband Connections in the U.K.
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