Nicole Garrett
Houston,TX
Summary
Professional with strong background in financial analysis, adept at leveraging analytical skills to drive business growth and financial stability. Expertise in data interpretation, financial modeling, and risk assessment, ensuring informed decision-making and strategic planning. Known for collaborative approach and adaptability, consistently meeting team objectives and organizational goals. Proficient in utilizing financial software and tools to streamline processes and enhance accuracy.
Overview
13
13
years of professional experience
Work History
Financial Analyst
University of Texas Medical Branch CMC Pharmacy
07.2023 - Current
- Lead role in the monthly and yearly closing processes for 304B and WAC drugs, including the preparation, processing, and review of journal entries, contributing to accurate financial reporting
- Manage the financial and operational aspects of vendor invoices, ensuring timely and accurate payments, as well as assisting in annual purchase order preparation and setup while continuously improving processes through technology and best practices
- Supported the purchasing team by coordinating documentation and tracking purchase orders to streamline procurement activities
Mortgage Loan Officer
Union Home Mortgage
06.2022 - 07.2023
- Demonstrates consultative approach, successfully counseled clients to identify best loan options, resulting in increased client referrals by 50%
- Educate clients on the benefits of various mortgage programs, including VA loans and FHA loans, resulting in a 50% increase in client referrals
- Analyze creditworthiness and collateral value of prospective borrowers, leading to an average loan size increase of 20% while maintaining an underwriting error rate below industry standards
Consulting Onboarding Specialist
Guaranteed Rate
01.2021 - 06.2022
- Trained and mentored ten new Loan Officers monthly, reducing processing time by 50% and increasing loan volume by 20%.
- Developed and executed training programs for mortgage officers to improve consultation skills and increase loan application approval rates by 15%.
- Conducted monthly assessments of each Loan Officer's progress, providing constructive feedback on areas for improvement and celebrating successes. As a result, retention rates for new hires increased by 30%.
Loan Officer of Consumer & Mortgage Lending
First National Bank of Huntsville
06.2012 - 01.2021
- Successfully reduced delinquency rate by 20% through proactively contacting customers and negotiating policy compliant payment schedules; maintained portfolio accuracy with timely follow-ups and documentation
- Conducted extensive analyses of credit information and risk assessment metrics to develop customized credit limits for over 10,000 customers, resulting in a reduction of bad debt expenses by 15%
- Offered strategic insights to senior management by presenting detailed credit analysis reports, highlighting key risk factors and recommending appropriate actions to minimize risk exposure and maximize profitability
Education
MBA - Master of Business Administration
Sam Houston State University
Huntsville, TX05-2018
BBA - Business Administration
Sam Houston State University
Huntsville, TX05-2013
Skills
- Microsoft Excel
- Financial and operational reporting
- Financial management
- Financial statement analysis
- Operational efficiency
- Loan origination
- Portfolio management
- Staff development
- Credit analysis
- Cash flow analysis
- Problem-solving abilities
- Critical thinking
- Documentation review
- Relationship building and management
- Sales expertise
- Financial advising
- Client relations
- Consumer lending
- Financial services
- Cash handling
- Mortgage lending
- Banking
- Commercial lending
Timeline
Financial Analyst
University of Texas Medical Branch CMC Pharmacy
07.2023 - Current
Mortgage Loan Officer
Union Home Mortgage
06.2022 - 07.2023
Consulting Onboarding Specialist
Guaranteed Rate
01.2021 - 06.2022
Loan Officer of Consumer & Mortgage Lending
First National Bank of Huntsville
06.2012 - 01.2021
MBA - Master of Business Administration
Sam Houston State University
BBA - Business Administration
Sam Houston State University
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