Ryan Brown
Houston,TX
Summary
Ambitious Finance Specialist who is results-driven and specialized in risk managing and executing underwriting efficiency while assuring accuracy and compliance in the consumer financial lending sector. Highly organized and meticulous professional with over 7 years of extensive experience in financial lending whom possesses a passion for fostering consumer satisfaction and exceeding set performance standards. Analytical thinker and superior negotiator with an demonstrated ability in analyzing data to forecast and provide solutions to complex problems. Eager to learn, accept, and excel in new challenges by lending combined knowledge and skill to enhance business performance and cultivate loyalty from clients.
Overview
9
9
years of professional experience
Work History
General Accountant II
Group One Automotive
Houston, TX
11.2023 - Current
- Managed daily banking activity and recorded multiple transactions across multiple departments using CDK.
- Process accounts payable and receivables for over 50+ lender and vendor accounts with high accuracy.
- Prepare and post weekly/monthly financial and product statements/invoices from manufacturers.
- Reconcile multiple general ledger accounts, including factory and floorplan, as assigned at month-end.
- Supported internal audit preparation by reducing open balance sheet items on various schedules by more than 60% within 3 months.
Client Service Specialist
Marsh & McLennan & Mercer Agency
Houston, USA
09.2022 - 11.2023
- Research and respond to billing and payroll inquiries from insurance providers and employees regarding employer benefits offered through payroll deduction.
- Prepare itemized statements, bills, and invoices, and calculate insurance premiums due for clients and employees.
- Collaborate with various departments to investigate and resolve claims with completeness and accuracy, while updating cases in CRM database.
- Prepare, posts, verify, and record payments and transactions related to accounts receivable.
- Understand third party billing and collection guidelines.
- Identify opportunities for process improvement and customer service enhancement to optimize the customer experience and drive operational efficiency.
CONSUMER CREDIT ANALYST
Shift Operations LLC
Houston, USA
12.2021 - 09.2022
- Successfully review and evaluate purchaser credit applications(via RouteOne), credit reports, financial statements to asses credit worthiness and risk to employ underwriting decisions in compliance with funding guidelines.
- Executed credit, fraud, identity, income verification strategies to verify documentation (proof of income, proof of residency, etc..) with accuracy which reduced contractual errors in the department by over 70%.
- Collaborated with various teams to negotiate credit terms, interest rates, to add or waive loan conditions.
- Utilized risk assessments and knowledge of loan products to rehash loans and resubmit loan approvals when necessary.
- Developed and maintained strong working relations with external field reps, and dealers to satisfy business growth objectives.
FUNDING & LOAN PROCESSOR
Vroom LLC
Stafford, USA
04.2020 - 12.2021
- Managed a pipeline of credit applications using RouteOne and analyzed them for accuracy and completeness for processing and funding.
- Obtained and compiled auto loan documents, financial statements to ensure they met funding guidelines and support post-loan closing services related to funding, titling, and registration.
- Communicated effectively with lenders to assure structure and configuration of consumer contracts when vehicles are purchased or sold.
SENIOR FINANCIAL AUTO ADVISOR
DriveTime Automotive Group Inc
Houston, USA
05.2016 - 04.2020
- Coordinate consistently with upper management to strategize and plan daily operations that executed and aligned with company initiatives and surpassed monthly sales goals in a fast-paced team environment.
- Liaised with external lenders to prepare and submit credit applications, and other various loan documents to secure funding and underwriting approvals.
- Established healthy relationships with clients and negotiated terms and coverage options to provide competitive financing solutions tailored to fit their budgets.
- Facilitated and aid in the signing of vehicle loan contracts, registration forms, and ensure customers fully understood the terms of their purchase agreement post sale.
- Expanded growth of business through effective communication and time management, scheduled appointments regularly, and answer credit approval related questions from clients via phone or email.
- Trained and coached new reps on sales techniques, registration, and underwriting guidelines to maintain compliance.
Education
BACHELOR OF ADMINISTRATION - ACCOUNTING
Sam Houston State University
Huntsville, TX12.2015
Skills
- Detail-oriented and Strong Time Management
- Effective Communicator
- Experienced In Accounts Payable & Receivable Roles
- Research and Account Analysis
- Solid Understanding of GAAP
- Banking & Schedule Reconciliation
- Proficient in CDK Global, QuickBooks, Dealertrack, RouteOne, Excel
- Financial auditing
Timeline
General Accountant II
Group One Automotive
11.2023 - Current
Client Service Specialist
Marsh & McLennan & Mercer Agency
09.2022 - 11.2023
CONSUMER CREDIT ANALYST
Shift Operations LLC
12.2021 - 09.2022
FUNDING & LOAN PROCESSOR
Vroom LLC
04.2020 - 12.2021
SENIOR FINANCIAL AUTO ADVISOR
DriveTime Automotive Group Inc
05.2016 - 04.2020
BACHELOR OF ADMINISTRATION - ACCOUNTING
Sam Houston State University
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