Brandon Scheidel
Vancouver,WA
Summary
Proactive and bilingual Credit Analyst well-versed in developing credit risk models. Looking to bring a successful background in account management and credit research to increase a company's services and market share. Any deficiency in experience can be made up in my creativity, scrappiness, and problem-solving ability.
Overview
11
11
years of professional experience
Work History
Business Loan Processor/Credit Analyst
Pacific NW Federal Credit Union
Vancouver, Washington
06.2022 - 06.2023
- Understanding of P&L’s, balance sheets, reviewing business and personal tax returns, utilizing spreading software
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Presented key information to upper management and executive team for loan recommendations.
- Conducted Annual reviews for 2 million+ in business loans
- Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
- Conducted credit reviews on corporations to assess financial conditions.
- Monitored and maintained compliance with internal controls and government regulations.
- Collected and organized loan documents before submission to underwriting.
- Opened walk in and online business memberships.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Demonstrated leadership by making improvements to work processes and helping to train others.
Member Relationship Officer
Onpoint Community Credit Union
Vancouver, Washington
08.2021 - 06.2022
- Achieved 138% of YTD loan volume goal by closing over $900k in loans and maintaining a pipeline of 15+ loans
- Communicated effectively with borrowers to collect necessary information and provide status updates
- Received highest percentage of perfect customer satisfaction surveys among all team members.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
Teller Coordinator/Assistant Branch Manager
OnPoint Community Credit Union
Vancouver, Washington
05.2019 - 08.2021
- Supervised 8 branch team members and provided management with suggestions regarding performance assessments.
- Reviewed and coordinated daily branch reports between various departments Aided the training of multiple new hires through shadowing, mentorship, and goal accountability Acted as liaison for all branch compliance requirements
- Reviewed applications against established parameters to determine approval, rejection or modification requirements.
- Demonstrated ability to successfully oversee branch operations numerous times in absence of management.
- Gained superior expertise of company products by servicing hundreds of members bilingually (Spanish-English)
- Monitored daily operations and supported Branch Manager in necessary duties.
- Supervised branch personnel and operations in absence of branch manager, keeping operations and workflows running smoothly.
- Trained and mentored highly effective teams to meet corporate service standards.
- Worked with regulatory representatives to complete accurate filings and maintain compliance.
- Developed strategy to achieve target sales goals.
- Exceeded monthly referral and production goals for 7 consecutive months – totaled 193% of yearly goal.
- Lead all service specialist companywide in yearly production performance on a pro rata basis (started the year as a members service rep and was promoted to TC/AM afterwards)
Licensed Insurance Producer
American Family Insurance
Logan, Utah
07.2018 - 11.2018
- Processed 100+ insurance applications for potential clients bilingually (Spanish – English)
- Filled deal pipeline through own sourcing efforts such as cold calling, networking, and referrals
- Closed 50+ deals spawned from start to finish through personal due diligence and sales efforts.
- Responded to inquiries and explained product features and service advantages to potential customers.
- Upsold products to policyholders and potential new clients.
- Increased sales through consultative sales approach and focused relationship building with new and existing policy holders.
Customer Relations – Team Lead
Integra Financial Services
Logan, Utah
08.2015 - 07.2018
- Coached a team of 4-10 individuals in latest policies, performance standards, and compliance training
- Monitored and reviewed weekly/monthly training and performance goals for team and team members
- Oversaw individual team member development through one-one-one coaching and team meetings.
- Demonstrated excellent communication skills in resolving product and consumer complaints.
- De-escalated problematic customer concerns, maintaining calm, friendly demeanor.
- Monitored team progress and enforced deadlines.
- Collaborated with management team to implement new work procedures or policies.
- Implemented performance, quality and efficiency measures to achieve aggressive production goals.
Volunteer Representative & Finance Manager
The Church of Jesus Christ of Latter, day Saints
Mexico City, Mexico
09.2012 - 10.2014
- Learned to speak, write, and read Spanish with high proficient fluency level within 6 months
- Contacted personally 15,000+ and helped 300+ individuals and families with life coaching and community service
- Managed a budget of $1 million+ allocating for operating and living expenses of 200+ other volunteers.
Education
Bachelor of Arts - Spanish
Utah State University
Relevant Coursework: Principles of Accounting, Business Finance, Advanced Business Spanish, Marketing, Hispanic Culture and Literature, Interpersonal Communication, Spanish Oral Communication -
Skills
- Fluent in Spanish
- Supervision & Leadership
- Credit Analysis
- Financial Statement Review
- Loan Documentation
- Proficiency in Microsoft Office and Google applications
- Account opening and servicing, leadership, and navigating a fast-paced ambiguous environment
- Relationship Building
- Reliable & Trustworthy
Interests
Professional Interests: Banking, Financial Services, Real Estate. Personal Interests: Family, Reading, Sports, YouTube Content Creation
Languages
- Fluent Spanish Speaker.
Timeline
Business Loan Processor/Credit Analyst
Pacific NW Federal Credit Union
06.2022 - 06.2023
Member Relationship Officer
Onpoint Community Credit Union
08.2021 - 06.2022
Teller Coordinator/Assistant Branch Manager
OnPoint Community Credit Union
05.2019 - 08.2021
Licensed Insurance Producer
American Family Insurance
07.2018 - 11.2018
Customer Relations – Team Lead
Integra Financial Services
08.2015 - 07.2018
Volunteer Representative & Finance Manager
The Church of Jesus Christ of Latter, day Saints
09.2012 - 10.2014
Bachelor of Arts - Spanish
Utah State University
Relevant Coursework: Principles of Accounting, Business Finance, Advanced Business Spanish, Marketing, Hispanic Culture and Literature, Interpersonal Communication, Spanish Oral Communication -
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