BRYTTANE WILLIAMS-SMITH
Humble
Summary
Analytical credit expert with nearly three years of experience in the financial services industry. Skilled verbal and written communicator who negotiates relationship-building business agreements with win-win scenarios. Extremely adept at quantitative analysis and client relations. Proven ability to provide cost-saving evaluations by applying detail-oriented mindset. Known for supervising simultaneous projects in high-pressure environments with professionalism and poise. Sets goals, with get it done mindset. Works well as an individual and a team player as well.
Overview
14
14
years of professional experience
Work History
Credit Analyst II
Acg Equipment Finance
Houston
09.2022 - Current
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Reviewed loan applications for accuracy and completeness before submitting them for approval.
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Provided training sessions for new staff members on credit analysis techniques.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
- Monitored customer accounts to ensure timely payments were made in accordance with loan agreements.
- Identified areas where additional information was needed to complete a thorough analysis.
Credit Analyst
Ascentium Capital
Kingwood
05.2017 - 09.2022
- Reviews and analyzes credit information in order to make appropriate credit decisions within established policies and regulations
- Initiates, completes, and submits accurate credit-related reports and documentation on a timely basis to accordance with established business processes and to assist the origination channels in achieving business goals and objectives
- Orders and reviews loan documentation and researches any issues as needed
- Gathers and maintains financial background information on present and prospective customers and develops credit studies for loan officers and committees as needed
- Develops, implements, and maintains uniform credit policies and procedures to ensure consistency and enhance external and internal customer satisfaction
- Works with the senior executives on all business opportunities and issues related to credit policies and credit decisions
- Coordinates communication between the sales team, potential customers, and the review committee on credit, underwriting, and funding related issues
- Works in conjunction with the appropriate managers and executives to support each business unit's performance goals and service standards
Retirement Specialist
First Financial Group of America
Houston
01.2015 - 01.2017
- Analyzed defined benefit pension plans and, explain employee’s options.
- Answered benefits questions, process loans, and process hardship withdrawals.
- Ensured participants are made knowledgeable of all plans and programs.
- Changed employee contributions and work closely with financial advisors.
- Experienced working with benefits (medical, dental, vision, prescription drug service and retirement plans).
- Timed management and organization skills.
- Used strong sense of urgency.
- Maintained knowledge of general benefit plan terminology.
Asset Recovery Specialist/CSR
OfficeTeam/Ceva Logistics
Humble
08.2014 - 01.2015
- Scheduled appointments to pick-up retired assets.
- Tracked and trace truck drivers.
- Followed up with clients to assure pick-ups are timely.
- Inputted data entry for pick-up and delivery of assets.
- Communicated with stations to be sure appointment dates/times are set.
401k Specialist, Health and Welfare
Ranstad General Partner/ Aon Hewitt
Woodlands
09.2011 - 08.2014
- Performed research to ascertain the best program to suit an employee.
- Analyzed defined benefit pension plans and defined contribution plans, such as 401(k) or thrift savings plans and profit sharing or stock ownership plans and inform and explain employees their options.
- Assisted with employee life and accidental death and dismemberment insurance and disability insurance.
- Explained other benefit programs such as parental leave, long-term nursing or home care insurance, wellness programs, and flexible benefits plans.
- Enrolled employees into the programs that best fit their needs. Integrate newer programs that deal with mental and physical health, such as employee assistance, obesity, and smoking cessation.
Education
Associate of Business administration -
Houston Community College
Houston, TXSkills
- SAP
- SEIBEL
- LOTUS NOTES
- CS PRO
- WORKFLOW
- MICROSOFT OFFICE SUITE
- EXCEL
- ASPIRE
- SALESFORCE
Accomplishments
- Consistently maintained high customer satisfaction ratings.
Volunteer Experience
- Served foods to 500 patients by volunteering with the Department of Veterans Affairs, and worked in its nursing homes and clinics
- Provided grocery for 200 veterans by asking about their needs and then shopping for them
References
Furnished Upon Request
Software Summary
- SAP
- SEIBEL
- LOTUS NOTES
- CS PRO
- WORKFLOW
- MICROSOFT OFFICE SUITE
- EXCEL
- ONE NOTE
- AS400
Timeline
Credit Analyst II
Acg Equipment Finance
09.2022 - Current
Credit Analyst
Ascentium Capital
05.2017 - 09.2022
Retirement Specialist
First Financial Group of America
01.2015 - 01.2017
Asset Recovery Specialist/CSR
OfficeTeam/Ceva Logistics
08.2014 - 01.2015
401k Specialist, Health and Welfare
Ranstad General Partner/ Aon Hewitt
09.2011 - 08.2014
Associate of Business administration -
Houston Community College