BRITTANY ROSS
DAYTON,US
Summary
Dynamic and results-oriented Credit Analyst with over 10 years of experience in financial analysis, credit risk management, and customer
relationship building. Highly skilled in evaluating financial health through balance sheets, income statements, and cash flow analysis,
driving strategic credit decisions to minimize delinquency rates and optimize portfolio performance. Adept in using advanced financial
modeling, Microsoft Excel, and Salesforce to streamline credit evaluations and reporting. Proven success in recovery management, loan
processing, and implementing innovative credit solutions that align with organizational objectives.
Overview
11
11
years of professional experience
Work History
Lead Collection Specialist
Discover
08.2024 - Current
- Implemented creative strategies for resolving billing and credit problems, increasing customer satisfaction.
- Located customers using skip tracing techniques and contacted customers to inquire about their overdue payments.
- Examined historical data related to each debt and bill.
- Achieved and often exceeded monthly targets.
Compliance Specialist
Stanley Black and Decker
Dayton, OH
08.2022 - 08.2024
- Conducted audits to uncover non-compliance issues and facilitated appropriate corrective measures.
- Maintained records and ensured accurate documentation was maintained according to regulatory requirements at all times.
- Assisted in the preparation of regular reports for senior management, detailing compliance activities and progress towards department goals.
- Executed data retrieval from SQL database to support departmental objectives.
- Updated Excel spreadsheets with latest data to enhance strategic planning.
Credit Analyst
Stanley Black and Decker
Dayton, OH
06.2021 - 08.2022
- Assess financial health of borrowers by analyzing balance sheets, income statements, and cash flow statements to identify risks.
- Maintain a low delinquency rate of 3% across a portfolio of 125 distributors through effective account management.
- Develop and implement tailored repayment plans to ensure timely payments while monitoring accounts for irregularities.
- Provide in-depth reports on credit quality indicators and analyze trends to make informed recommendations on credit risks.
Recovery Specialist
Bread Financial
Columbus, OH
09.2018 - 06.2021
- Utilized advanced skip tracing techniques to enhance recovery rates and streamline account management.
- Formulated personalized repayment strategies that aligned customer capabilities with company goals, resulting in elevated recovery success.
- Documented comprehensive customer financial profiles and collection activities, facilitating precise tracking and reporting.
Senior Loan Specialist
OneMain Financial
Dayton, OH
06.2016 - 09.2018
- Analyzed financial statements and tax returns to approve loans, ensuring adherence to underwriting standards and regulations.
- Drafted comprehensive loan narratives to document and assess borrower risk, contributing to sound financial decision-making.
- Collaborated with teams to refine loan approval workflows, resulting in improved process efficiency and enhanced client satisfaction.
Mortgage Closing Specialist
U.S. Bank
Cincinnati, OH
06.2014 - 06.2016
- Coordinated cross-functionally to ensure timely mortgage closings, optimizing document assembly and managing an average of 80-130 loan files per month with precision.
- Executed thorough quality control checks, promptly addressing discrepancies to uphold compliance and accuracy in loan processing.
- Cultivated effective partnerships with stakeholders, improving loan submission processes and meeting strict turnaround times, thereby boosting customer satisfaction and operational performance.
Education
Bachelors of Finance - Finance
Western Governors University
Dayton, OH06.2026
Excel Certification -
Coursera
Skills
- Financial Analysis
- Credit Risk Analysis
- Loan Origination
- Budgeting
- Forecasting
- Financial Modeling
- Salesforce
- Data Retrieval Expertise
- Relationship Management
- Microsoft Applications
- Compliance Management
- Insurance Eligibility Verification
- Financial statement analysis
- Credit decisions
- Financial statements
- Microsoft Excel proficiency
- Loan documentation
- Loan evaluation
Timeline
Lead Collection Specialist
Discover
08.2024 - Current
Compliance Specialist
Stanley Black and Decker
08.2022 - 08.2024
Credit Analyst
Stanley Black and Decker
06.2021 - 08.2022
Recovery Specialist
Bread Financial
09.2018 - 06.2021
Senior Loan Specialist
OneMain Financial
06.2016 - 09.2018
Mortgage Closing Specialist
U.S. Bank
06.2014 - 06.2016
Bachelors of Finance - Finance
Western Governors University
Excel Certification -
Coursera