Open to opportunities

Francine Spencer

@francinespencer

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Senior Credit Analyst leveraging 10+ years in credit risk, compliance, and customer-focused solutions.

Canada

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What I'm looking for

I’m looking for a customer-focused role where I can apply credit risk analysis, compliance, and escalation resolution to help approve decisions confidently, improve workflows, and deliver tailored financial solutions in a collaborative environment.

I’m an analytical credit professional with over 10 years of experience in the financial services industry, combining credit risk analysis, quantitative thinking, and strong customer service. I manage complex credit systems, optimize processes, and ensure compliance while keeping communication clear, even when cases become escalated or time-sensitive.

In recent roles as a Senior Credit Analyst, I adjudicated credit applications for auto dealerships, resolved fraudulent activity through efficient cross-channel communication, and trained new hires to reduce onboarding time by 30%. I’ve also helped reduce delinquent accounts by 25%, increased approval rates by 18%, and improved remote-case response times by 10% while maintaining full operational efficiency.

Experience

Work history, roles, and key accomplishments

Senior Credit Analyst

Eden Park

Aug 2018 - Apr 2024 (5 years 8 months)

Adjudicated auto dealership credit applications to approve, decline, or place credits on hold based on risk and financial assessment. Resolved fraudulent activity cases, mentored new hires to reduce onboarding time by 30%, reduced delinquent accounts by 25%, and increased approval rates by 18%.

Credit Risk Analysis Credit Administration Credit Reports Salesforce Process Optimization Mentoring Risk Assessment

Mortgage Information Specialist

Genworth Financial

Apr 2014 - Jul 2018 (4 years 3 months)

Developed and packaged secured loans for mortgage loan closings, maintaining close client relationships throughout the process. Analyzed applicants’ financial status, credit, and property evaluations to determine loan feasibility, and processed first/second mortgage applications while troubleshooting transaction issues.

Mortgage Loan Processing Secured Lending Financial Statement Review First Second Mortgage Support

Personal Lending & Investment Rep

BMO

Jan 2011 - Apr 2014 (3 years 3 months)

Advised customers on lending and wealth/investment strategies aligned to their financial goals, processing loans and mortgage applications to support bank targets. Educated clients on loan terms and handled complex/escalated requests from other employees while ensuring adherence to the stated rules and limits.

Customer Relationship Management Loan Terms Education Escalation Handling Client Communication Compliance With Lending Limits