Mariama C. Kebe, M.Ed.
Saint Cloud
Summary
Very detail-oriented and reliable Credit Analyst/Financial Analyst with an outstanding customer-service and cash-management record. Proficient at handling various customer service requirements and concerns, with the greatest professionalism and politeness. Able to work independently with little supervision.
Overview
2026
2026
years of professional experience
Work History
Commercial Credit Analyst
Stearns Bank Equipment Finance Division
01.2018 - Current
- Responsible for gathering, analyzing, and interpreting credit information for existing and prospective customers in order to assess credit quality and to minimize risk and potential loan loss
- Analyze Credit applications and credit related reports
- Interpret credit and lending policies to prepare written credit presentations and approval recommendations
- Prepare loan write-ups, annual review and monitoring credit file
- Demonstrate sound judgment in recommended decision and maintain a working knowledge of the underwriting guidelines and applicable loan policy
- Independently work through the underwriting process and offer recommendation of decision to those with credit authority to issue decision
- Work collaboratively with Sales and other department to make informed decision
- Understand financial statement analysis to include compressive cash flow analysis
Credit Risk Analyst/Floor Operations Manager
Preferred Credit. St Cloud, MN
St Cloud
01.2015 - 01.2018
- Assess applications and make decisions whether to approve or deny an applicant for financing
- Review customer’s credit with them by explaining the types of loans and their reimbursement terms, then evaluate and scrutinize the financial portfolio of a loan applicant to make a final decision whether to lend money.
- Give distributors detailed reports of their portfolio and deals on a daily, weekly and monthly basis.
- Assist in executing the overall client strategy to support growth and development
- Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit.
- Conduct complete credit analyses including gathering, analyzing and interpreting all types of credit information on existing and prospective customers.
- Review customer accounts and portfolios to identify, evaluate, and determine the appropriate course of action on potential credit quality issues to maximize credit quality and minimize risk and potential loss to the company
Client Service Representative
Preferred Credit. St Cloud, MN
01.2013 - 01.2015
- Keep abreast of changes, developments and new products in the area responsibility, advise management of potential applicability
- Consistently identify and address ways to improve the overall client experience
- Efficiently resolve client problems by clarifying issues, exploring answers with the market team and creating alternative solutions
- Process daily account balances
- Ensure adequate client service levels are achieved
- Effectively work with Market Managers to identify potential issues resolution
- Consistent with the vision and values ensure cohesive and client communication and messaging is delivered
- Assist in executing the overall client strategy to support growth and development
- Contribute to and participate in regular departmental and meetings
- Watch client accounts for trends and escalate as needed
- (promoted)
Research/ Teaching Graduate Assistant
St Cloud State University
St Cloud
- Coordinated activities and conducted research for multiple departments. Helped students in completing assignments in Economics, international business, and French
Education
Master of Science - Public Administration & Gerontology (MPA)
St Cloud State University
St Cloud, MNMaster of Science - Social Responsibility
St Cloud State University
St Cloud, MNBachelor of Science - Finance/ International Business
St Cloud State University
St Cloud, MNSkills
- Proficient in Microsoft Office Suite: Word, Power Point, Access Quick Books software, Microsoft Excel, Decision logic, Routing Master, Northridge Loan System (NLS), AS400, SQL
- Speaks English and French
Financial Analysis & reporting
- High-performance Underwriter Specialist who dealt with accounts that require Special-handling.
- Demonstrated working understanding of large corporate-owned businesses and their functions
- Possess practical knowledge of corporate finance and financial markets.
- Use strong analytical and financial planning skills to inform and educate distributors about their portfolios and customers about their financial plans.
- Ability to solve problems in a fast-paced work-environment.
Speak five languages fluently( English, French, Creole, Susu, Mandingo)
Leadership Experience
- Treasurer, Sigma Phi Omega, St Cloud State University, MN the National Academic Honors and Professional Society in Gerontology:
- Teaching Assistant, St Cloud State University, MN
- Operations Manager, Preffered Credit
Honors /Awards/Activities
- Teaching Excellence Award, St Cloud State University
- Member, Sigma Phi Omega Organization
Timeline
Commercial Credit Analyst
Stearns Bank Equipment Finance Division
01.2018 - Current
Credit Risk Analyst/Floor Operations Manager
Preferred Credit. St Cloud, MN
01.2015 - 01.2018
Client Service Representative
Preferred Credit. St Cloud, MN
01.2013 - 01.2015
Research/ Teaching Graduate Assistant
St Cloud State University
Master of Science - Public Administration & Gerontology (MPA)
St Cloud State University
Master of Science - Social Responsibility
St Cloud State University
Bachelor of Science - Finance/ International Business
St Cloud State University