JOANNA BRANDOW
Gastonia,NC
Summary
Credit analyst with a background in credit review, receivables tracking, billing support, and customer communication. Supports account decisions by reviewing financial statements, maintaining credit files, preparing reports, and coordinating with sales and billing teams to resolve overdue balances and meet deadlines in fast-paced settings.
Overview
14
14
years of professional experience
Work History
Credit Analyst
Conbraco Industries Inc.
Matthews, North Carolina
05.2021 - 05.2023
- Reviewed and analyzed financial statements of potential borrowers, assessing creditworthiness to inform lending decisions.
- Analyzed credit histories to support account limit decisions.
- Monitored outstanding receivables, flagging overdue customer balances to support timely collections.
- Coordinated with sales and billing teams to manage credit holds, ensuring alignment with company credit policies.
- Prepared credit reports for Conbraco management review.
- Communicated payment terms and credit requirements to customers.
- Maintained credit files and verified compliance with company policies.
- Worked closely with both customers and the sales team to reconcile accounts and oversee payment negotiation.
Lock Desk Analysis
Wyndham Capital Mortgage
Charlotte, NC
10.2019 - 05.2021
- Locked, extended, re-locked, and re-priced loans in Loan Origination System, ensuring correct pricing calculations.
- Updated and maintained rate sheets to reflect accurate pricing and eligibility criteria.
- Modified and maintained eligibility and pricing rules in a front-end pricing system.
- Assessed and specified rate lock disclosure requirements to enhance compliance.
- Ensure accurate and timely pipeline management.
- Assisted mortgage staff with pricing inquiries and resolved post-lock questions to ensure smooth operations.
- Conducted system enhancement and update testing.
Supervised Virtual CSA Logistics Team
Amazon
Charlotte, NC
05.2018 - 05.2019
- Created new shipments/listings
- Product sourcing using our online software
- Managed feedback, product listings, and reimbursements to ensure accuracy and customer satisfaction.
- Social media management
- Customer/supplier contact via phone
- Utilized various skills and technologies to complete tasks efficiently.
- Office applications such as word, excel, powerpoint or similar
- Email and chat communication with team members
- Following up with customers for reviews
- Monitoring price alerts for buybox
- Reconciling lost and damaged inventory
- Compiling reports
- Managing discounts and coupons for team members
- Flat file edits on listing via amazon
- Supervised virtual team performance metrics and rankings to optimize team effectiveness.
- Facilitated weekly team meetings to enhance communication and collaboration.
- Adapted to flexible work positions across various locations in the US.
- Operated in a virtual and remote work environment to collaborate effectively.
Administrative Assistant I Site Manager
Hartsell Brothers Fence Co Inc.
Charlotte, NC
05.2016 - 04.2018
- Compiled data, processed and disturbed monthly, bi-annual and tri-annual preventive maintenance work orders.
- Processed and dispatched all work orders as they were presented.
- Responsible for all data entry. Call logs, work orders processed, quotes/estimates processed and NC concepts.
- Checked and administered office emails periodically throughout the day.
- Managed office supplies, vendors, organization and upkeep.
- Greeted numerous visitors, including VIP's, vendors and interview candidates.
- Screened applicant resumes and coordinated both phone and in-person interviews with management.
- Organized all new hire, security and temporary paperwork.
- Answered and managed incoming and outgoing calls while recording accurate messages.
- Properly distributed incoming mail with vital company information and related material.
- Composed and drafted all outgoing correspondence and reports for manager.
Customer Service Representative
Embassy Suites Hotel
Charlotte, NC
06.2014 - 05.2016
- Greet guests and complete the registration process to include, but not limited to, inputting and retrieving information from the computer, confirmation of guest information and room rate, selection of rooms, coding electronic keys, promoting marketing programs, providing a welcome packet and ensuring guest knows location of room and/or has a bell person accompany him/her.
- Assist guests with check-out including, but not limited to, ensuring rooms and services are correctly accounted, using the point-of-sale system, handling money, processing credit and debit cards, accepting and recording various forms of payment, converting foreign currency, making change and processing gift certificates and cards.
- Demonstrate a thorough knowledge of hotel information including, but not limited to, room categories, room rates, packages, promotions, the local area and other general product knowledge and answer guest questions and inquiries.
- Use up-selling techniques to promote hotel services and facilities and to maximize room occupancy.
- Respond to guest inquiries and requests and resolve issues in a timely, friendly and efficient manner.
- Filed guest complaints, conduct research and resolve and negotiate solutions for guest satisfaction.
- Receive, input, retrieve and relay messages to guests.
Administrative Assistant I Site Manager
Touched By An Angel
Belmont, Nc
04.2009 - 04.2012
- Required knowledge of laws, ethics, codes, bylaws, of state, county and federal health department.
- And or social services, for human rights and or disability rights.
- Accelerated in fast pace working ethic while multitasking efficiently.
- Precisely completed appropriate claims paperwork, documentation and system entry.
- Correctly coded and billed medical claims for various hospital and nursing facilities.
- Professionally and courteously verified appointment times with patients.
- Verified patients' eligibility and claims status with insurance agencies.
- Diligently filed and followed up on third party claims.
- Accurately posted and sent out all medical claims.
- Submitted electronic/paper claims documentation for timely filing.
- Responded to correspondence from insurance companies.
- Maintained and updated collections tracking spreadsheet to help organize payment information.
- Updated patient financial information to guarantee accuracy.
- Billing time of field employees.
- Managed and scheduled field employees.
Education
Business/ Technology Program
Central Piedmont Community College
09-2026
Skills
- Financial analysis and reporting
- Data analysis and interpretation
- Microsoft Excel proficiency
- Credit review and evaluation
- Customer relations management
- Credit program oversight
- Banking regulations compliance
- Financial statement assessment
- Loan documentation and policy adherence
- Process improvement strategies
- Sales optimization
- Process improvement
- Sales
Timeline
Credit Analyst
Conbraco Industries Inc.
05.2021 - 05.2023
Lock Desk Analysis
Wyndham Capital Mortgage
10.2019 - 05.2021
Supervised Virtual CSA Logistics Team
Amazon
05.2018 - 05.2019
Administrative Assistant I Site Manager
Hartsell Brothers Fence Co Inc.
05.2016 - 04.2018
Customer Service Representative
Embassy Suites Hotel
06.2014 - 05.2016
Administrative Assistant I Site Manager
Touched By An Angel
04.2009 - 04.2012
Business/ Technology Program
Central Piedmont Community College