Ma Elaine Palomo
Kings Park,Australia
Summary
Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures. Highly trained Credit Analyst offering excellent skills in managing issues, updating files and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.
Overview
17
17
years of professional experience
Work History
Credit Repair Specialist
National Australia Bank
05.2023 - Current
- Improved understanding of financial statements, which helped in assessing risk.
- Investigated and resolved customer disputes related to credit decisions.
- Complied with internal controls and government regulations.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Resolved problems, improved operations and provided exceptional service.
- Developed and maintained courteous and effective working relationships.
Assessment for Loss Specialist
National Australia Bank
03.2016 - 05.2023
- Documented condition and special features to provide accurate estimations.
- Produced reports with detailed valuations.
- Maintained high work volume and tight deadlines.
- Served both personal and business customers with accurate valuations.
- Assessed sales comparisons, production costs and other values to determine accurate property values.
- Checked previous descriptions, certifications and official documentation against current condition of property.
- Proved successful working within tight deadlines and a fast-paced environment.
- Maintained current database of completed appraisals and customer information.
- Advocated for staff members, helping to identify and resolve conflicts.
Customer Care Specialist
National Australia Bank
01.2011 - 02.2016
- Helped large volume of customers every day with positive attitude and focus on customer satisfaction.
- Responded to customer needs through competent customer service and prompt problem-solving.
- Streamlined operational efficiencies by managing accounts and contracts and processing system orders and cancellations.
- Achieved high satisfaction rating through proactive one-call resolutions of customer issues.
- Communicated with customers to assess and address individual needs, providing timely and quality support via Type systems.
- Communicated with customers to identify needs and expectations.
Collection Officer
National Australia Bank
02.2007 - 12.2010
- Documented all daily collections and delinquent account activities by uploading information to company's database.
- Contacted delinquent members by phone, email and mail to determine reasons for delinquency.
- Worked closely with delinquent members to develop plan of payment in order to rectify outstanding accounts.
- Utilized sharp research skills to track down delinquent account information.
- Trained and mentored new employees on collection methods, documentation requirements and performance strategies.
- Supervised staff of collectors, monitoring phone calls and letters.
- Contacted customers to discuss late payments and options for remitting amounts due.
- Accessed credit records to evaluate customer credit histories.
- Set up and updated customer accounts and CRM with interactions, payments and personal information.
- Monitored payments due from clients and promptly contacted clients with past due payments.
- Contacted customers to collect outstanding payments via one-time or negotiated installment methods.
- Followed prescribed scripts and maintained friendly but firm attitude with full knowledge of contractual requirements and legal remedies.
- Reconciled discrepancies between accounts receivable general ledger account and accounts receivable trial balance account.
Education
Diploma - Hairdressing
Carrick Hairdressing School
Bourke, VicBachelor Of Science - Mathematics
St Paul College
Gilmore, Philippines02.1989
Skills
- Debt Reduction
- Customer Satisfaction
- Accounts Payable and Accounts Receivable
- Complex Problem-Solving
- Operations Improvement
Timeline
Credit Repair Specialist
National Australia Bank
05.2023 - Current
Assessment for Loss Specialist
National Australia Bank
03.2016 - 05.2023
Customer Care Specialist
National Australia Bank
01.2011 - 02.2016
Collection Officer
National Australia Bank
02.2007 - 12.2010
Diploma - Hairdressing
Carrick Hairdressing School
Bachelor Of Science - Mathematics
St Paul College
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