Senior Credit Analyst

Performed risk assessment for non-profits and government entities, ensuring compliance and supporting program success. Visualized trends and financial ratios using Tableau.

Recommended process improvements using R programming to optimize the risk assessment workflow, projecting a 1-month reduction in analysis time.

• Performed underwriting for Small and Medium Enterprises, utilizing Excel to evaluate key financial ratios and performance indicators, ensuring creditworthiness and compliance with financial regulations.
• Managed over 80 business loans, increased loan portfolio by 15.92%, and provided appropriate working capital and term loans to various businesses while ensuring regulatory compliance in loan documentation.
• Performed risk assessments and financial statement analysis to review loans worth $1.91 million and prepared detailed credit reports with covenants to mitigate risk and ensure zero defaults.
• Inspected business units to assess inventory, term loans, and working capital requirements and guided customers, primarily small business owners, in their financial decision-making and provided insights.

• Executed invoice processing and reconciled accounts payable and accounts receivable using SAP/Yardi software,
achieving 100% accuracy while averaging 70 daily processing tasks.
• Recommended process improvements and effectively presented the project process flow to executives, resulting in a 15% decrease in invoice processing turnaround time.

• Timely resolved technical issues using C programming and enhanced Base Transceiver software in Telecom Industry.
• Configured General Ledger and Funds Management modules in SAP from realization, testing to Go-Live stage.

Mentored finance students in Business Finance and Financial Management courses, including valuation methods and capital budgeting, and assisted individuals utilizing Bloomberg, Capital IQ, LSEG, and FactSet data resources.