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Karen Randolph

@karenrandolph

Commercial Credit Analyst II at GM Financial, where I referred over 300 line of credit prospects and support credit decisions.

United States
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At GM Financial, I assess commercial credit risk and support underwriting decisions as a Commercial Credit Analyst II. I manage credit exceptions and Viewpoint concurrences, and I referred over 300 line of credit prospects.

Before that, I evaluated commercial credit applications as a Commercial Credit Analyst at GM Financial, making approval or denial decisions in line with credit policies.

At Wells Fargo Bank, I applied Fannie Mae and Freddie Mac guidelines to mortgage loans in loss mitigation. I approved retention requests that helped over 200 homeowners avoid foreclosure.

At GE Healthcare Equipment Finance, I audited commercial credit lease and loan contracts and managed a $100M+ pipeline through agreement certification, negotiation, documentation, and funding. Earlier, at JPMorgan Chase Bank, I audited mortgage decisions and documentation and processed home equity loan requests.

Experience

Work history, roles, and key accomplishments

GF

CVL – Commercial Credit Analyst

GM Financial

May 2022 - Sep 2023 (1 year 4 months)

Evaluated commercial credit applications to assess risk and determine creditworthiness for potential commercial customers. Applied underwriting expertise and dealer operations knowledge to make informed approval or denial decisions, ensuring compliance with credit policies and optimizing portfolio performance.

GF

Mortgage Underwriter

GE Healthcare Equipment Finance

Jan 2019 - Jun 2020 (1 year 5 months)

Audited complex commercial credit lease and loan contracts for compliance, pricing accuracy, and consistency, with signing authority up to $500,000. Managed a $100M+ pipeline by certifying agreements through negotiation, documentation, and funding.

Education

Degrees, certifications, and relevant coursework

LU

Lakeland University

MBA, Finance

MBA in Finance from Lakeland University, Wisconsin.

LC

Lane College

BSBA, Accounting

BSBA in Accounting from Lane College, Tennessee.

Tech stack

Software and tools used professionally

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