Credit & Risk Analysis, Loan Origination & Structuring, Consumer & Commercial Lending, Financial Statement Analysis, Fraud Detection & Prevention, Loan Underwriting (Auto, Business, Mortgage), Regulatory Compliance, Microsoft Excel & Loan Systems, Customer Relationship Management (CRM), Analytical & Investigative Skills, Leadership & Team Collaboration, Data- Driven Decision Making

Results-driven Credit Officer with 12+ years of banking experience in credit analysis, loan
underwriting, fraud detection, and portfolio management. Adept in processing consumer and business loans, evaluating credit risk, and ensuring compliance with lending regulations. Proven track record of zero fraud transactions, nationwide awards, and leading credit efficiency projects. Strong communicator and team leader with expertise in both operations and client relationship management.