Charlie D.
Mid-Level Credit Risk Analyst
Open to offersNew to PlatformAbout
Charlie D. is an experienced Credit Analyst with a background in financial services and telecommunications. At Gamma Duo and HSBC Electronic Data Processing, he conducted credit risk assessment and loan application review, analyzing broker-submitted lending and credit card applications in accordance with both company and Australian credit regulations. His responsibilities included in-depth evaluation of credit reports, bank statement analysis, and reviewing various financial documents to determine borrower creditworthiness, while ensuring compliance with lending policies and documentation standards. Prior to his credit analyst roles, Charlie D. advanced through positions at Alorica Teleservices in the US telecom sector, from Customer Care Specialist to Team Manager, where he analyzed agent performance and implemented improvement plans in operational settings.
Experience
Credit Analyst
Gamma Duo (via Hopla.online) · 2025 — 2026Evaluated broker-submitted lending applications following internal credit risk and underwriting policies. Analyzed borrower creditworthiness through comprehensive reviews of credit reports, bank statements, and necessary financial documentation. Ensured the accuracy and completeness of applicant information to comply with lending requirements. Utilized risk-based decision-making frameworks to support outcomes of approval, decline, or conditional lending. Maintained strong risk controls and adhered to documentation standards while contributing to timely credit decisions.Credit Underwriting/Analyst
HSBC Electronic Data Processing · 2023 — 2025Underwrote credit card applications in alignment with HSBC policies and Australian credit regulations. Conducted thorough serviceability analyses to determine customers' capacity to fulfill repayment obligations. Verified and reviewed essential documents, including income statements, identification, and employment letters. Liaised with applicants and internal teams for gathering any outstanding information or clarifications. Maintained meticulous records for audit compliance and employed internal underwriting systems for tracking applications and decision-making.Technical Specialist
Alorica Teleservices · 2018 — 2021Reviewed and analyzed agent behaviors while overseeing Production Agents. Developed action plans to address skill and behavior inadequacies among team members. Executed these plans with close supervision to ensure consistent achievement of goals.Customer Care Specialist
Alorica Teleservices · 2018 — 2018Managed customer inquiries for a US-based telecommunications account and provided information on additional products and services.Team Manager, Operations
Alorica TeleservicesOversaw operations management for customer service teams, ensuring operational efficiency and quality delivery.
Skills & Expertise
Education
- Bachelor of Science in Business Administration major in Marketing ManagementPOLYTECHNIC UNIVERSITY OF THE PHILIPPINES · 2012 — 2015
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