Starlene Spencer
CREDIT ANALYST
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About
Credit Underwriting for BMW, Rolls-Royce, MINI. Analyze information received from consumer and business credit application and credit reporting agencies to make prudent credit decisions, collect, and analyze all requisite documentation including, but not limited to, financial and income statements to decision business and fleet applications, negotiate terms and conditions of application decisions with Centers within established approval and exception guidelines to ensure credit quality and profitability.
Experience
CREDIT ANALYST - BMW FINANCIAL SERVICES
(2020-12 - 2023-10)
Credit Underwriting for BMW, Rolls-Royce, MINI. Analyze information received from consumer and business credit application and credit reporting agencies to make prudent credit decisions, collect, and analyze all requisite documentation including, but not limited to, financial and income statements to decision business and fleet applications, negotiate terms and conditions of application decisions with Centers within established approval and exception guidelines to ensure credit quality and profitability.
OPERATIONS SPECIALIST - GOLDMAN SACHS
(2019-09 - 2020-12)
The successful rollout of the Apple Credit Card Functions and app operations, escalations, credit, and app functionality. Reporting and trend analysis of Customer interactions, Scope projects, propose process improvements.
CUSTOMER RELATIONS SPECIALIST - BMW BANK NA
(2016-09 - 2019-07)
Investigating and resolving complex and sensitive service-related disputes involving Customers, responding to Federal Regulators; analyzing existing and proposed policies and procedures for BMW Visa. Maintaining vendor relationships, monitoring SLA, as well as updating KPI's as needed.
Education
Associate of Arts - Business Administration - University of Phoenix
Certification - Medical Administrative Assistant - MedCerts
Certification - Medical Coder and Biller - MedCerts
