Project Manager Credit Analyst
Resume:
DAVID A.
WIGGINS
Kennesaw, Georgia *****
***************@*****.***
PROFESSIONAL SUMMARY
Credit Analyst / Project Manager
A dedicated Credit Analyst with expertise in credit risk assessment and financial analysis, helping businesses make informed decisions while ensuring compliance with AML and KYC regulations. Known for building strong, trust-based relationships with clients and using data-driven insights to improve processes and deliver meaningful results. Thrives in fast-paced environments, consistently exceeding goals and driving operational success. A collaborative team player who enjoys working together to achieve business objectives and deliver exceptional outcomes.
SKILLS
Risk Mitigation Strategies
Credit Decisions
Portfolio Monitoring
Banking Operations
Lending Regulations
Credit Analysis
Financial Statement Analysis
Project Delivery
Scope Management
EXPERIENCE
Sr. AML Investigations Analyst
TD Bank (Contractor) Atlanta, Georgia
July 2024 - November 2024
Conducted comprehensive creditworthiness reviews using third-party providers and client financial statements, ensuring compliance with regulatory standards and risk management guidelines.
Analyzed payment patterns, transaction audits, and historical financial data to assess potential credit risk and identify anomalies.
Prepared and submit Suspicious Activity Reports (SARs) as part of the investigation process for clients engaged in suspicious financial activities.
Implemented streamlined processes for data collection, reporting, and documentation of KYC/CDD (Customer Due Diligence) to enhance operational efficiency and regulatory compliance.
Conducted root cause analysis on anomalies and discrepancies in financial data, minimizing errors and ensuring the accuracy of reports.
Supported the credit team with ongoing risk mitigation strategies by providing thorough research analysis and identifying areas of concern in client transactions.
Delivered regular reports to management using advanced Excel skills and contributed to Power BI dashboards for real-time insights into compliance and credit activities.
Technology Service Manager/ Retail Sales Supervisor
Staples International Inc. Acworth, Georgia
May 2024 - August 2024
Managed a sales team focused on technology solutions, optimizing sales processes, and improving customer service strategies.
Drove technical sales initiatives and helped customers make informed decisions regarding PC hardware and software solutions.
Developed and implemented departmental policies to ensure operational efficiency and enhance the customer experience, contributing to increased sales and improved service delivery.
Collaborated with cross-functional teams to ensure seamless service delivery and effective product solutions to customers.
Sr. Implementation Analyst
Fiserv (contractor) Alpharetta, Georgia
June 2023 - December 2023
• primary point of contact for financial institutions responsible for managing multiple implementations simultaneously
Executing comprehensive implementation plans, including defining project scope, milestones, user acceptance testing, presenting deliverables, resource allocation, and risk mitigation strategies, resulting in decreased implementation timelines
• Creating process improvements and providing ongoing client support.
Responsible for collaborating with cross-functional teams, including developers, department managers, and business stakeholders
Analyzing business needs, and translate them into technical specifications.
Tested software applications to identify potential issues and areas for improvement.
Personal Banker II/ Personal Banker I/ S2S Analyst
Fifth Third Bank Cincinnati/Atlanta, Ohio/Georgia
November 2016 - July 2023
Led initiatives to develop a $10 million book of business during the onset of the COVID-19 pandemic by acquiring and nurturing new client relationships.
Conducted credit analysis, including financial statement review and risk assessments for loan applicants, ensuring compliance with credit policies and identifying potential credit risks.
Negotiated terms and conditions for loans, working closely with clients to develop customized business banking solutions.
Implemented risk management strategies, identifying opportunities and risks with both existing and proposed banking solutions.
Spearheaded the credit assessment process for new personal auto and business vehicle loans, including analyzing financial documents and creating financial models to project repayment capabilities.
Conducted financial spreading on clients' balance sheets and income statements, identifying key financial ratios (e.g., debt-to-equity, current ratio, interest coverage) to determine creditworthiness.
Evaluated credit risk associated with auto and commercial loans, providing detailed risk assessments and recommendations to the credit department.
Worked closely with clients to assess their financial needs, offering tailored credit solutions while ensuring alignment with bank risk policies and compliance standards.
Specialized in promoting deposits, commercial loans, mortgages, auto loans,and fee-based services, driving overall revenue growth.
Processed balance transfers, credit limit increases for clients.
Educated customers about the responsibilities of credit cards including budgeting tips and debt repayment strategies.
Visa and MasterCard servicing.
EDUCATION
Bachelor of Science (B.S.) - Marketing
Wilberforce University, Wilberforce, OH
WEBSITE
www.linkedin.com/in/david-wiggins-73a304228
TECHNICAL SKILLS
SAP Business One, SAS, Workday, Citrix, Fidelity, Fiserv Core, Titan, Clarity, SAAS, Ovations, MS Office Suite, Google Ads
Certification 2025.
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