Nicole Garrett
Huntsville
Summary
Analytical Financial Specialist recognized for high productivity and efficiency in task completion. Skilled in financial analysis, budget management, and risk assessment which enable successful strategy development and implementation. Excel in communication, problem-solving, and teamwork, ensuring seamless collaboration across departments to achieve financial objectives.
Overview
13
13
years of professional experience
Work History
Financial Specialist
University of Texas Medical Branch, UTMB
Huntsville
07.2023 - Current
- Prepared monthly financial reports for internal stakeholders and management review.
- Provided training sessions for team members on financial software usage and best practices.
- Prepared monthly variance reports comparing actual results with budgeted amounts.
- Assisted in budget preparation and monitored expenditures against forecasts.
Mortgage Loan Officer
Union Home Mortgage
06.2022 - 07.2023
- Demonstrated a consultative approach, successfully counseled clients to identify the best loan options, resulting in increased client referrals by 50%.
- Educated clients on the benefits of various mortgage programs, including VA loans and FHA loans, resulting in a 50% increase in client referrals
- Analyzed 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 statement analysis
- Critical thinking
- Financial software
- Training development
- Attention to detail
- Financial reporting
- Budget preparation
- Risk assessment
- Financial modeling
Timeline
Financial Specialist
University of Texas Medical Branch, UTMB
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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