DEBORAH A. SYKES 764 Georgetown Court ~ Jonesboro, GA 30236 Home (678) 479-9379 ~ Mobile (706) 573-9530 ~ ds137e85e@westpost.

net Highly accomplished Financial Professional with proven success managing job resp onsibilities within the financial services industry associated with credit manag ement, risk management, commercial lending, and mortgage banking. Decisive leade r with expertise in penetrating previously untapped markets, driving revenue gro wth, increasing customer retention, and identifying growth opportunities. Skille d in performing within dynamically changing environments requiring focused decis ion-making. CORE COMPETENCIES Risk Management Credit Lifecycle Business Metrics Process Improvement Compliance Credit Management Commercial Lending Default Management Financial Analysis & Forecasting Technology Enhancements Loan & Credit Analysis Credit Recommendations Team Leadership Revenue Growth EDUCATION Master of Science in International Management (2006) a" Troy State University Bachelor of Business Administration in Computer Information Systems (2003) a" Co lumbus State University PROFESSIONAL BACKGROUND WORLD PAY, Roswell, GA (2008 a" Present) Credit Analyst a Spearheaded efforts to conduct annual and semi-annual credit assessments, whic h included analyzing financial statements of small to large corporations to dete rmine credit worthiness. a Communicated with loan officers and business leaders on credit recommendations for exposures up to $2M. a Maintained full responsibility for managing a portfolio of 35-55 merchant acco unts with a combined credit exposure of approximately $25M. a Negotiated with merchants and Senior Executives regarding collateral requireme nts as well as secured over $2.5M in collateral on high risk accounts in 2010. a Conducted due diligence, measured risk exposure, and identified risk mitigatin g options to minimize losses. a Supervised a team of 5 employees in the development and implementation of an A ction Plan for the Credit Department that focused on 3 fundamental areas of impr ovement including Managing People and Change, Performance Management & Developme nt, and Recognition & Reward. GE CAPITAL SOLUTIONS, Macon, GA (2005 a" 2008) Business Credit Analyst a Completed financial analysis and underwrote credit lines up to $1M. a Made recommendations for approval to the Regional Credit Manager for lines gre ater than $1M. a Raised the Credit Departmentas Net Promoter Score by 27 points by maintaining a strong customer focus. a Enhanced communication and working relationships with company's sole customer, IKON, by engaging in round table sessions and implementing process improvements .

a Handled risk management initiatives and justified further underwriting conside rations. a Led efforts to assess 230 applications per month, which reduced total turnarou nd time by 10%. a Selected by Senior Management to represent the company at the GE National Glob al Symposium in 2006 and 2007. FIRST AMERICAN NATIONAL DEFAULT OUTSOURCING, Columbus, GA (2003 a" 2004) Bankruptcy Analyst a Monitored bankruptcy filings from inception to confirmation of plan for a port folio of approximately 800 loans. a Directed the implementation of new bankruptcy tracking system, which resulted in a 25% increase in loan processing efficiency. a Contributed to corporate efforts to significantly reduce client risk. a Played a primary role in collecting on past due petition balances and providin g solutions to resolve delinquency. a Filed motion for relief and proof of claims on a regular basis. a Coached and mentored new employees on bankruptcy processes and procedures. GREEN POINT MORTGAGE FUNDING, INC., Columbus, GA (2001 a" 2003) Bankruptcy Analyst a Recipient of the Customer Focus Award for consistently resolving customer issu es in an expedient and willing manner. a Led efforts to improve customer satisfaction ratings by 15%. a Managed bankruptcy accounts throughout the bankruptcy case cycle. a Provided motion for relief and proof of claim referrals to attorneys. TRAINING Building Customer Loyalty, Building Effective Inter-functional Relationships, In troduction to Credit Services, Leading Effective Teams, Financial Statement Anal ysis, Tips for Avoiding Lender Liability, Moody's Clue Training, Commercial Cred it Fundamentals