Mark Terka

Richmond, TX 77406
Home: 281.450.7712
mfterka@gmail.com

PROFESSIONAL SUMMARY
Results-oriented, adaptive Senior Credit Analyst and Relationship/Account Manager Senior Credit Analyst with
30+ years of experience in the banking and financial services sectors analyzing credit and financial reports and
overseeing decisioning in multiple markets. Resourceful team player adept at reviewing credit applications,
managing credit limits, and closing electronic applications while assisting clients in making sound decisions,
explaining financial services, and sustaining relationships. Client-focused strategic planner who liaises between
clients and teams while managing a portfolio of accounts and analyzing account potential seeking to leverage
background into a Senior Credit Analyst/Relationship Manager role with a progressive organization.

HIGHLIGHTS
Automobile credit and data analysis
Banking proficiencies
Customer relationship management
Confidential and legal document control
Sales strategies

Equity and insurance

Fiscal management
Project management
Staff supervision and scheduling
Staffing top talent

ACCOMPLISHMENTS
Maintained or exceeded internal organizational targets.
Achieving the high closing volume in one day to successfully close 100 loans as part of a team.
Minimized workflow lags by effectively managing 16-20 employees directly while training and guiding
staff on best practices and protocol to optimize productivity.
Drove client retention and satisfaction by cultivating and sustaining relationships with 18 to 25
automotive dealerships to drive profitable opportunities.

EXPERIENCE
Senior Credit Analyst, 10/2006 to 01/2016
Credit Union Acceptance - Houston, TX
Limited liabilities by reviewing and decisioning credit applications to determine applicant risk for money
loans or credit extensions for automobile purchases.
Liaised with dealerships to cultivate rapport while establishing and following-up with monthly referral
goals and clarifying policy changes.
Strengthened traceability by documenting client rewards and compensation received based on
performance.
Achieved staffing objectives and improved productivity by training and supporting new hires and aiding
colleagues with decision making and analysis.
Oversaw credit decisioning in 7 markets spanning 4 states by analyzing credit reports, evaluating
financial data, and compiling financial documentation.
Drove profitability by maintaining, supervising, and administering 20 dealership relationships.
Optimized revenue opportunities by setting targets, explaining policy/rate updates, and performing email
follow-up.
Managed clients with a credit limit of $60K.
Analyzed credit/FICO scores and reviewed job stability, affordability, debt-to-income ratio, sources of
income (amount/duration), and collateral for corrective action planning.

Closing Manager, 01/1997 to 07/2006

Bank One - Houston, TX
Mitigated financial inaccuracies by closing electronic equity loan applications from Louisiana, Ohio, and
Texas with zero discrepancies.
Ensured zero document errors by reviewing insurance information and income confirmation to support
branch equity loan obtainment.
Automated office operations by producing loan center legal documents for streamlined electronic
document sharing and retrieval at the applicant-preferred banking center.
Managed 16-20 equity closers and boosted performance by overseeing training, supervision, scheduling,
and annual reviews.
Performed credit decisioning, changes, and increases.
Expanded team by interviewing and recommending new job applicants.
Improved profitability by up-selling products and services, including insurance, credit cards, and lines of
credit per applicant.

EDUCATION
Bachelor of Commerce: Accounting and Finance
Carleton University - Ottawa, Ontario