Credit Analyst, underwriter

Catia Goncalves

***-*** *********** ****** **** Mississauga, Ontario

ppjrec@r.postjobfree.com

Objective:

To obtain a position in an environment that encourages growth and provides team-building skills. I would like to work in a leadership role and pursue my career in the financial industry as a credit analyst.

Work Experience:

Wells Fargo Financial Corporation

November 2003- June 2010

Central Sales

Consumer Loan Underwriter January 2009 – June 2010

• Phone calls made to existing customers for increase on loan amount or to start new loan application

• Process credit applications, ensure accuracy and compliance

• Approve/decline within designated limits

• Complete Fraud checks

• Provide excellent customer service by communication with customers and our store network to facilitate loan closings

• Review credit bureaus, income documents (i.e paystubs, T4's...etc)

• Update customers information to ensure accuracy on file

• Ensure superior and co-workers are kept advised of any changes within the department

Sales Finance

Senior Credit Analyst December 2004 – December 2008

• Evaluate applications (e.g. conditional sales) by reviewing and assessing customer’s credit history, collateral and ability to pay/income

• Rating customer’s level of credit risk and approving declines or modifying application parameters accordingly

• Based on established criteria, analyzing RVS accounts and loans and providing an assessment of the quality and risk level of the RVS account.

• Handle escalated concerns and calls

• Train and coach new analysts

• Make recommendations for improvement to branches with regards to making better credit decisions

• Provide an overall risk rating for a file

• Review RVS applications that have been declined to ascertain if they were granted at the branch level

• Generate a variety of reports on a monthly basis for managers and corporate use

• Respond to dealer inquiries regarding declined RVS application

• Ensure superior and peers are kept advised of any issues or developments that could impact the overall effectiveness of the department or company

• Perform Fraud checks with any discrepancies on credit bureaus

• Follow up on pending applications

• Reassess customers applications based on information provided

• Reviewed and verified banking information

• Data entry on customer applications

Dealer Project Assistant November 2003- November 2004

• Communicated with current merchants for further information on continuing financing with WFF

• Provide searches to over 150 Branches across Canada to ensure no liens on security that is provided to WFF

• Register and discharge of promissory and chattel mortgages according to WFF policy

• Track searches and registrations that are compiled in an excel worksheet, which is forwarded to office manager for billing purposes

• Followed up with branches on errors with registrations and searches

Education:

York Memorial Collegiate Institute

High School Diploma 2000 – 2004

Humber College 2006 - present

Business Management Program

Part-time

Skills:

• Excellent communication and negotiation skills

• Strong analytical, time management and organizational skills.

• Ability to work independently and as part of a team

• Fluent in English and Portuguese

• Standard Level First Aid 2007

• Proficient in all Microsoft applications (word, excel, outlook)

References:

Available Upon Request

Contact this candidate