Miciel Zacarias
@micielzacarias
Senior credit analyst and underwriter driving risk-balanced loan growth and team performance.
United StatesWhat I'm looking for
I am a results-driven banking professional with nine years of progressive experience in credit analysis, lending, underwriting, and team leadership. I specialize in assessing risk, reviewing financial statements, and managing loan portfolios to balance growth with portfolio quality.
In my current role I underwrite consumer and personal loans averaging $4M–$8.7M monthly, conduct in-depth analysis of credit reports, tax returns and financial statements, and collaborate with lending officers to structure loan terms that meet client needs while adhering to credit policy.
I have a track record of mentoring and coaching lending teams, exceeding loan growth goals while maintaining low delinquency and charge-off ratios, and implementing cross-selling strategies to boost product penetration. I seek to leverage my expertise as a senior credit underwriter or credit risk manager in a dynamic organization.
Experience
Work history, roles, and key accomplishments
Credit Analyst / Underwriter
GECU
Jan 2022 - Present (3 years 8 months)
Underwrite consumer and personal loans averaging $4M–$8.7M monthly, conducting in-depth credit, tax return, and financial statement analysis to ensure compliance with credit policy and risk appetite.
Lending Officer
GECU
Jan 2019 - Jan 2022 (3 years)
Originated and managed a portfolio of personal loans, auto loans, and lines of credit, exceeded loan growth goals while maintaining low delinquency and charge-off ratios and mentoring new officers.
Supervisor / Branch Mentor
Convenience Bank
Jan 2017 - Jan 2019 (2 years)
Oversaw branch operations, vault and compliance (OFAC, CTRs, SARs), trained staff to achieve sales and service targets, and received multiple employee recognition awards for business development.
Assistant Manager
Flex Enterprises
Jan 2015 - Jan 2017 (2 years)
Assisted management of fitness center operations, supervising staff and supporting business and customer service activities to maintain facility performance.
Education
Degrees, certifications, and relevant coursework
ECEl Paso Community College
Associate of Arts, Psychology
Associate of Arts in Psychology from El Paso Community College.
Tech stack
Software and tools used professionally
Availability
Location
United StatesAuthorized to work in
Job categories
Interested in hiring Miciel?
You can contact Miciel and 90k+ other talented remote workers on Himalayas.
Message MicielFind your dream job
Sign up now and join over 100,000 remote workers who receive personalized job alerts, curated job matches, and more for free!
