Brandy Witherington
Summary
Self-motivated Loan Specialist proudly offering over 5 years' experience in several areas including evaluating credit history to determine credit worthiness of applicant business, related affiliates, and principal owners, processing business loans, complex residential loans, and all types of business and economic injury loans. Using sound judgment to reach appropriate credit recommendations that assist disaster victims while protecting the interests of the government. Evaluating collateral by considering type of collateral property, lien position, and available equity. Working with applicants to community loan progress and determinations.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Loan Specialist
Small Business Administration
10.2020 - Current
- Work 40+ hours per week including over time.
- Make recommendations and decisions to approve or decline residential loans.
- Made recommendations and decisions to approval or decline business loans while serving as a Team Lead for COVID EIDL special project assignments.
- Evaluate credit histories to determine credit worthiness of individuals.
- Evaluated credit histories to determine credit worthiness of individuals while serving as a Team Lead for COVID EIDL special project assignments.
- Analyze federal tax returns and financial statements such as profit and loss statements, balance sheets, and business plans to determine repayment ability for individuals and business loan applications.
- Analyzed federal tax returns and financial statements such as profit and loss statements, balance sheets, and business plans to determine repayment ability for business loan applications while serving as a Team Lead for COVID EIDL special project assignments.
- Process loan applications using web-based financial/lending software to underwrite loans.
- Evaluate assets to determine best available collateral such as real estate and general security interest to secure a loan.
- Collaborate with loan applicants in gathering necessary documents and verification paperwork for loan process.
- Verified all documents provided by applicants for accuracy and completeness.
- Process Original, Reconsideration, and Appeal requests.
- Served as temporary Team Lead for home loans.
- Serves as temporary Team Lead for COVID EIDL Business loans special project.
Relationship Banker/Manager on Duty/Business Specialist
JP Morgan Chase
Plano, TX
02.2019 - 08.2020
- Worked 40 hours per week
- Assisted with making recommendations and decisions to approve or decline residential and business loans.
- Assisted in evaluating credit histories to determine credit worthiness of individuals and businesses.
- Assisted in analyzing federal tax returns and financial statements such as profit and loss statements, balance sheets, and business plans to determine repayment ability for individuals and business loan applications.
- Assisted in processing loan applications using web-based financial/lending software to underwrite loans.
- Assisted in evaluating assets to determine best available collateral such as real estate and general security interest to secure a loan.
- Collaborated with loan applicants in gathering necessary documents and verification paperwork for loan process.
- Assisted in loan servicing to assess compliance with bank and regulatory terms and conditions.
- Adhered to bank and legal guidelines for reporting, loan approvals, and money handling.
- Cultivated positive relationships with key stakeholders and decision-makers as part of successful business practices.
- Maintained customer data confidentiality while inputting information into system using SalesForce.
Licensed Financial Administrative Assistant
Rigney Financial
11.2016 - 02.2019
- Exuded professional expertise and resourcefulness to gain trust and confidence of clients, vendors, and other professionals.
- Conducted thorough research using various sources to obtain relevant data for marketing and investment growth
- Coordinated large-scale events and seminars by acquiring venues, developing guest lists and organizing necessary services.
- Continually built new client business within markets by pursuing strategic targets.
- Generated leads and capitalized on valuable business opportunities to bring in new company revenue and improve bottom line profit.
- Coordinated project materials by managing physical and digital files, monitoring spreadsheets and updating reports.Verified operation of office equipment by completing preventive maintenance requirements and calling for repairs.
- Organized and maintained filing and document management systems by coordinating, archiving and purging files.
Multisite Operations Manager
Peak Oilfield Services
05.2014 - 05.2016
- Managed 70+ employees
- Assessed, optimized and elevated operations to target current and expected demands.
- Achieved and surpassed production targets through effective staff management, task allocation and materials coordination.
- Planned daily operational strategies, including delivery routing, team workflows and promotional initiatives.
- Conferred with subordinate managers each day to assess needs and optimize activities.
- Assessed upcoming projects to forecast projected resource requirements.
- Aided senior leadership during executive decision-making process by generating daily reports to recommend corrective actions and improvements.
- Developed and managed annual operating budgets for two Texas -area facilities.
- Evaluated financial statements and profit and loss reports to monitor financial performance and devise solutions for improvement and cost reduction.
- Managed profit and loss by following cash control procedures, maintaining inventory, managing labor and reviewing financial reports.
- Read and interpreted schematics, work orders and reports to identify needed materials and understand instructions.
- Developed proposals with detailed cost estimates outlining logistics plans.
- Worked with vendors to obtain optimal prices and delivery schedules.
- Obtained and coordinated materials required to meet contract objectives.
- Considered work projections and company targets when forecasting manpower requirements.
- Relayed information between drivers and recipients, including ETA and potential delays.
- Recruited, hired and trained management members on application of projects, customer relations and customer service.
- Maintained and grew monthly revenue by deepening relationship with existing customers and new customers
- Negotiated contracts with new customers
- Implemented, hired, and mentored a Quality Control Department resulting in improved customer service, decreased deficiencies, stronger customer relationships, protected revenue streams, and improved profit margins month over month
Service Improvement/Senior Quality Control Specialist
State of Texas Health and Human Services
01.2009 - 05.2016
- Developed quality control procedures for inclusion in technical staff manuals.
- Assisted in hiring and mentoring of quality control team
- Analyzed issues and recommended corrective actions to improve final results.
- Outlined remediation plans to standardize results to meet compliance regulations.
- Gathered and inputted data in Microsoft Access to develop models and assess trends.
- Conducted montlhy audits and reported findings to Regional Management Team and Regional Director.
- Participated in technical trainings and workshops to improve skills set and boost overall knowledge.
- Effectively trained employees and supervisors on newly aquired onine programs utilized to determine benefit egilibility
- Led trainings for up to 40 employees on montly basis.
- Evaluated current policy discussions and plans to determine possible impact on benefit eligibility.
- Wrote detailed reports explaining policy actions and impacts.
- Created master spreadsheet to record, policy clarifications, error trends, and improvement recommendations
- Represented multiple regions as a Subject Matter Expert in HHSC State of Texas policies and procedures, implementation of the Affordable Care Act in Texas, and other areas of assigned expertise
- Served as Regional Director Representative with trading partners, community organizations, various agencies and contractor staff to ensure desired results were on schedule and within budget
Education
Master of Science - Management & Leadership
Tarleton State University
2014
Bachelor of General Studies - Business Management
Texas Women's University
2010
Skills
- Loan Processing
- Financial Assessments
- Credit Analysis
- Effective Communication
- Documentation Review
- Process improvement strategies
- Project management
- Training and development
- Financial and cash flow analyses
- Cost reduction and containment
- Policies and procedures implementation
- Performance reporting
- Team Building/Leadership
- Customer relationship management
- Business Strategy Development
Certification
- FINRA Series 7
- FINRA Series 63
- Texas Life and Health Insurance
- Texas Notary
Timeline
Loan Specialist
Small Business Administration
10.2020 - Current
Relationship Banker/Manager on Duty/Business Specialist
JP Morgan Chase
02.2019 - 08.2020
Licensed Financial Administrative Assistant
Rigney Financial
11.2016 - 02.2019
Multisite Operations Manager
Peak Oilfield Services
05.2014 - 05.2016
Service Improvement/Senior Quality Control Specialist
State of Texas Health and Human Services
01.2009 - 05.2016
Master of Science - Management & Leadership
Tarleton State University
Bachelor of General Studies - Business Management
Texas Women's University
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