Pamela Joy Perez
@pamelajoyperez
Senior Credit Analyst at Spring Financial assessing consumer credit risk and exception-based loan applications.
CanadaWhat I'm looking for
At Spring Financial, I perform end-to-end credit underwriting and risk assessment for consumer lending applications, evaluating creditworthiness and repayment capacity.
I analyze credit profiles using TransUnion and Equifax data, alongside income, bank statements, paystubs, and other financial documentation.
I assess affordability, DTI/TDSR, cash flow, and existing obligations, applying credit policies and exercising independent judgment on complex and exception-based applications.
I also identify potential credit risks by reviewing borrowers’ financial behaviour, including recurring overdrafts, reliance on short-term credit, and inconsistent cash flow. I’m interested in portfolio risk, data-driven underwriting, and using AI and technology to improve credit and operational processes.
Experience
Work history, roles, and key accomplishments
Senior Credit Analyst
Spring Financial
Jul 2024 - Present (2 years 3 months)
Performs end-to-end credit underwriting and risk assessment in a high-volume consumer lending environment, evaluating applicants' creditworthiness and repayment capacity. Analyzes credit profiles, income, bank statements, and debt obligations to support lending decisions.
Junior Loan Advisor
Spring Financial
Apr 2024 - Jul 2024 (3 months)
Supported consumer loan applications by reviewing applicant information, financial documentation, and credit profiles against established lending criteria. Gathered and verified income, employment, and supporting documentation to assess applicant eligibility and affordability.
Managed customer accounts and identified customer needs through consultative conversations. Maintained accurate documentation and followed company policies and procedures.
Front Desk
Coast Canmore Hotel & Conference Centre
May 2023 - Oct 2023 (5 months)
Communicated effectively with guests and team members to ensure smooth hotel operations. Handled guest concerns professionally and provided appropriate solutions while maintaining a welcoming presence.
Education
Degrees, certifications, and relevant coursework
De La Salle University
Bachelor's Degree, Hospitality Management
2015 - 2020
Bachelor's Degree in Hospitality Management from De La Salle University, Philippines, from June 2015 to December 2020.
Tech stack
Software and tools used professionally
Availability
Location
CanadaAuthorized to work in
Salary expectations
Job categories
Skills
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