BRITTANY REYNOLDS

· Lead and managed a team of 10-20 underwriters, providing guidance, training, and support to ensure efficient and effective underwriting practices.

· Developed and maintained underwriting guidelines in accordance with industry regulations, company policies and risk management practices.

· Evaluate and analyze the risks associated with potential and existing loans.

· Built and maintained relationships with 1,000+ independent and franchise dealerships along with monitoring and managing the dealer portfolio performance.

• Responsible for assessing credit risk of loans and making approval or decline decisions based on internal underwriting guidelines and funding source requirements to ensure lease quality and production standards
• Managed portfolio risk by ensuring loan quality, profitability and growth is well balanced throughout the lending process resulting in a highly profitable territory with a 200% increase in leases funded
• Assisted in development of a retail pilot program beginning with development internally throughout the funding process
• Provided new hire training to newly onboarded employees joining the credit team ensuring all necessary skills were provided to develop business for new and existing dealers
• Worked alongside compliance department to update existing policy and procedures and set into place newly implemented ones.

• Supported month-end close activities by preparing accurate accounts receivable reports for finance department review.
• Automated certain repetitive tasks within the AR process which led to increased efficiency in handling account maintenance work.
• Managed high-volume accounts to ensure timely collections and minimize outstanding balances.
• Collaborated with sales team to resolve complex billing issues, ensuring client satisfaction and prompt payment.
• Liaised with external auditors during annual reviews by providing necessary documentation related to accounts receivable activities.

• Managed a diverse portfolio of accounts, ensuring appropriate actions were taken to maintain financial health.
• Reduced delinquency rates with proactive monitoring of customer accounts and timely followups.
• Provided strategic input for process improvement initiatives, leading to greater team productivity and results.
• Negotiated payment plans with delinquent customers, achieving successful repayment outcomes without legal intervention.

• Originated the business of multiple major metropolitan territories across the country by educating dealers on company program while pushing business based on advantage points over competitors
• Effectively managed and marketed assigned non-producing territories to achieve company volume objectives
• Utilized credit experience to make decisions or obtain concurrence on pricing, program, and policy exceptions were within established loan authority
• Promoted three times within a two-year window based on superior performance.