BROOKE FOZZARD
Salt Lake City,UT
Summary
Experienced Credit Analyst at Prime Alliance Bank, recognized for expertise in credit analysis and risk assessment. Skilled in ensuring financial compliance and fostering customer relationships, contributing to significant revenue increases. Acclaimed for negotiation abilities and focus on delivering tailored financial solutions aligned with client goals.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Credit Analyst
Prime Alliance Bank
Bountiful, Utah
04.2025 - Current
- Analyzed credit data to assess customer risk and creditworthiness.
- Reviewed financial statements for accuracy and compliance with standards.
- Prepared detailed reports on credit analysis findings for management review.
- Collaborated with sales teams to evaluate customer financial profiles.
- Monitored industry trends to inform credit decision-making processes.
- Recommended credit limits based on thorough risk assessments and evaluations.
- Communicated with clients to efficiently gather necessary financial information.
- Supported audits by providing requested documentation and analytical insights.
Sales Manager/Sr. Loan Officer
Fink & McGregor Mortgage
Salt Lake City, Utah
09.2016 - Current
- Identified new sales markets and implemented strategies to enhance profitability.
- Created innovative marketing plans to drive revenue growth.
- Increased annual revenue by $2,212,500 in 2022.
- Recommended cost-cutting solutions to improve bottom-line performance.
- Negotiated competitive pricing and loan terms with clients and banks.
- Evaluated credit risk and verified documentation for loan applications.
- Processed mortgage loans while ensuring compliance with finance laws.
- Conducted fraud monitoring and initiated corrective actions as needed.
Transaction Manager
Varilease Corporate Finance
05.2023 - 04.2024
- Initiated and managed processes for acquiring, extending, renewing, or terminating corporate lending agreements from $500K to $50 million.
- Reviewed, redlined, and negotiated comprehensive legal documents to ensure compliance.
- Created credit presentations and financial analysis reports; presented findings to Credit Department.
- Positioned tailored solutions for clients that aligned with specific business goals.
- Utilized demographic, economic, and consumer data to assess lending risk, collateral risk, and insurance requirements.
- Managed a team to coordinate efficient execution of funding, vendor payments, equipment acquisition, insurance coverage, and income analysis throughout lease terms of 12-60 months.
- Oversaw transactions for 40+ corporate leases simultaneously.
- Executed fund transfers to and from clients and vendors.
Financial Advisor
Empower Financial Services
06.2022 - 04.2023
- Processed complex financial trades, ensuring accuracy and compliance.
- Managed fund withdrawals, distributions, exchanges, allocations, transfers, and rollovers.
- Resolved outstanding inquiries through diligent research and analysis.
- Employed consultative techniques to assess client needs and propose tailored solutions.
- Leveraged technology and expert resources to address client issues effectively.
- Aligned proposed solutions with client goals for enhanced satisfaction.
- Maintained regular communication regarding portfolio performance with clients.
- Analyzed data on market dynamics and economic factors influencing investment strategies.
Sr. Loan Officer
Veterans First Mortgage
Salt Lake City, Utah
01.2012 - 09.2016
- Achieved top national production ranking as a Loan Officer.
- Maintained President's Club membership annually throughout employment.
- Mentored new hires, fostering skill development and team integration.
- Secured consistent five-star customer service ratings from clients.
- Specialized in government loan products for government employees and military members.
Corporate Trainer
American Red Cross
05.2007 - 01.2011
- Authored National Laboratory Procedures for Western Division of American Red Cross Blood Services.
- Trained over 300 staff members across 10 laboratories to enhance operational efficiency.
- Achieved Six Sigma certification and served as classroom instructor, earning four promotions in three years.
Education
Some College (No Degree) - Business Management
University of Missouri
Rolla, MOSome College (No Degree) - Accounting And Finance
Salt Lake Community College
Salt Lake City, UTSkills
- Sales performance excellence
- Credit analysis and scoring
- Financial compliance and regulations
- Risk assessment strategies
- Market trend analysis
- Sales strategy development
- Customer relationship management
- Loan processing and documentation
- Negotiation techniques
- Problem solving and conflict resolution
- Effective communication skills
- Team collaboration and leadership
- Client engagement and development
- Data analysis and compilation
- Financial statement review and analysis
- Debt structuring expertise
- High-risk account reviews
- Banking regulations knowledge
- Financial forecasting techniques
- Report analysis skills
- Collateral valuation expertise
- Oral and written communication skills
- Proficient in CRM software (Salesforce, HubSpot)
- Public relations strategies
- Networking abilities
- Analytical skills and abilities
- Economic forecasting expertise
- Underwriting processes and standards
- Relationship management skills
- Financial statements expertise and review
- Credit policy development strategies
- Mathematical proficiency
Certification
- Active Series 7 & Series 63 Securities Licensed.
- Licensed Notary Public.
- NMLS Licensed Loan Officer- CA, UT, CO.
- Six-Sigma Certified.
References
Available upon request
Timeline
Credit Analyst
Prime Alliance Bank
04.2025 - Current
Transaction Manager
Varilease Corporate Finance
05.2023 - 04.2024
Financial Advisor
Empower Financial Services
06.2022 - 04.2023
Sales Manager/Sr. Loan Officer
Fink & McGregor Mortgage
09.2016 - Current
Sr. Loan Officer
Veterans First Mortgage
01.2012 - 09.2016
Corporate Trainer
American Red Cross
05.2007 - 01.2011
Some College (No Degree) - Business Management
University of Missouri
Some College (No Degree) - Accounting And Finance
Salt Lake Community College