
Kenisha C.
Credit Analyst

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About me
#JobSeeker: Accomplished leader with management experience in Credit Analysis & Marketing within Banking and Finance, plus business ownership in Cosmetology. Seeking new career opportunities beyond the beauty industry
Education

Carolina Beauty College
2005 - 2007Cosmetology Cosmetology, Barber/Styling, and Nail Instructor NC Cosmetic Arts License HolderActivities and Societies: NC State Board of Cosmetic Arts, Platform Educator NC Licensed Cosmetologist

North Carolina Agricultural and Technical State University
1994 - 1998Bachelor of Science (BS) Electronics and Computer TechnologyActivities and Societies: The Electronics Club, Gospel Choir, Gate City AGGIE Club, NAACP, Big Brothers/Big Sisters, Young Democrats, ·Network Security, Intro to Unix/Linux, Technical Computers, Electric Circuits, Quantative Fundamentals, Computer Programming, Project Management, Computer Programming, Business Environments, Principles of Accounting, Public Speaking and Speech
Experience

American Express
Nov 1995 - Apr 1998Credit AnalystManaged, discussed and performed collection efforts of delinquent credit cards for personal and business accounts. Maintained clients demographics by inputting them into multiple databases and organizing their personal platforms.

McBride Services
Apr 1998 - Sept 2003Human Resources Director•Recruitment: Developed and executed recruitment strategies, including candidate sourcing, screening, and interviewing.•Compliance: Ensured adherence to labor laws (FMLA, ADA, Title VII) and managed background/reference checks.•Orientation and Records: Organized new hire orientations and maintained accurate employee records.•Performance and Compensation: Developed performance management systems and designed cost-effective compensation packages.•Employee Relations: Addressed and resolved employee issues, promoting a positive work environment.•HR Analysis: Analyzed survey data to improve HR practices and coordinated benefits programs.•Process Improvement: Evaluated HR processes for efficiency and implemented organizational changes.•Exit Interviews: Conducted exit interviews and supported talent identification and onboarding processes. Show less

Bank of America
Sept 2003 - Dec 2007Escrow Analyst•Document Management: Prepared and analyzed escrow documents to meet customer needs, negotiating with lenders, buyers, sellers, and attorneys.•Funds Verification: Ensured accuracy before disbursement and supported customers throughout the escrow process.•Collaboration: Worked with colleagues to meet deadlines, ordered documents, and facilitated stakeholder communication.•Scheduling and Organization: Managed signing schedules, organized paperwork, and built strong client relationships.•Loan Analysis: Analyzed loan portfolios, improving processing time and reducing errors, saving $50k annually.•Monitoring and Resolution: Monitored loan transfers, resolved discrepancies, and performed stress tests and credit risk analysis for high-priority clients. Show less

Volvo Trucks
Dec 2007 - Jan 2009Senior Credit Analyst•Credit Analysis: Evaluated financial statements to assess creditworthiness and devised credit policies.•Risk Management: Managed risk for customer accounts and collaborated with internal teams and external entities.•Recommendations and Resolutions: Presented credit recommendations to management and resolved billing disputes, achieving 98% customer satisfaction.•Process Improvement: Reduced billing cycle time by 35%, late payment penalties by 40%, and enhanced financial reporting efficiency.•Cash Postings and Billing: Improved accuracy in cash postings and client billing using databases like Moody KMV, NACM, D&B, Equifax, and Experian, increasing collections by 25%. Show less

329PM Hair Studio
Jan 2009 - nowSalon Owner•Business Management: Overseeing daily operations, including budgeting, inventory management, and financial planning to maintain profitability.•Team Leadership: Recruiting, training, and leading a team of stylists, colorists, and support staff, fostering a positive work environment and promoting professional development.•Client Relations: Building and maintaining strong client relationships, ensuring personalized service and a high level of client retention.•Marketing & Branding: Developing and executing marketing strategies, including social media management, to attract new clients and enhance the salon’s brand presence.•Customer Service: Ensuring an exceptional client experience by maintaining high standards of service, cleanliness, and professionalism within the salon.•Vendor Management: Establishing and managing relationships with suppliers, negotiating contracts, and ensuring timely procurement of quality products.•Regulatory Compliance: Ensuring compliance with industry regulations and health and safety standards to create a safe and welcoming environment for clients and staff. Show less

Spectrum
Jan 2023 - Jul 2024Residential Retention Customer Service Manager• Led a team of customer service representatives focused on retaining residential customers and improving customer satisfaction.•Handled escalated customer issues and provided effective solutions to retain service subscribers.•Monitored and tracked team performance metrics, including retention rates, customer satisfaction scores, and call handling times.•Developed and implemented retention strategies and tactics to minimize customer churn.•Conducted training sessions to enhance team skills in customer retention and conflict resolution.• Gathered customer feedback and collaborated with other departments to improve service offerings and address customer concerns. Show less
Licenses & Certifications

Microsoft Office Specialist Master Certification (MOS)
Bank of AmericaNov 2007
Six Sigma Black Belt Certification – Level I
Bank of AmericaJan 2006
Volunteer Experience
Line Judge
Issued by USATF on Jul 2013
Associated with Kenisha C.
Languages
- enEnglish
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