Brad Albrecht Email and Phone Number

• Forecasted credit losses on our loan portfolio and prepared quarterly memos to our banking partners.• Used both Base SAS and Enterprise Guide to automate numerous reports, evaluate customer and deal attributes and determine the impact to losses and risk.• Evaluated scorecards and statistical models to determine validity and predictability, as well as identified areas of risk with recommendations for improvement based on quantitative analysis.• Used statistical analysis to assess the risk of several credit and lending policies, and made recommendations that resulted in policy changes that lowered risk. • Calculated monthly charge-off rates, static pool delinquency, forecasts, trends, and developed a weekly report to measure collections performance, and an exception report to quantify and categorize loans purchased outside of credit policy.

• Prepared financial statements and performed financial analysis in support of 29 branch offices ($360M annual revenue), including profit/loss, variance analysis, detailed customer data, and recommendations.• Worked closely with Sales and Operations VP’s and Directors to develop budget revenue projections with forecasted expenses for Company’s annual budget. • Performed ad hoc analysis related to profitability, gross profit margins, headcount, and presentations.

As a team member of the Risk Group, I calculated Cost Metrics to support risk decisions and analytics modeling. I also learned how to use SAS for reporting and analysis as well as logistic regressions and statistical modeling.• Wrote numerous SAS Projects to quantify delinquency, repo, and charge-off volume.• Managed residual value risk via quantitative analysis and forecasted lease term losses supplemented with projections from 3rd Party companies (ALG and Blackbook) (2008 – 2014).• Calculated residual percentages for all Toyota lease vehicles to support risk and reserve decisions.• Utilized SAS programming and predictive modeling for Marketing, Collections, and Customer Service.• Wrote a SAS project to quantify customer retention and measure effectiveness of promotional programs.

As a member of the Pricing team, I calculated the profitability and ROE of loans and leases, modeling various interest rates and customer attributes (credit quality, term, leverage, loan advance, etc.). I utilized Activity Based Costing to calculate operating cost used in all loan and lease pricing and became intimately familiar with every department and function within the company. I also was the “go to” Financial Analyst for NPV and cash flow analysis to support financial decisions and IT investments.• I developed and maintained operating cost modeling for all World Omi Loan and Lease Pricing from 2000 – 2012 (to price over $8 Billion in Assets annually). And, my numbers were still being used in 2015.• 3rd Party servicing to Banks (side business): I calculated cost and built pricing models as well as presented recommendations and strategies for pricing to senior management, resulting in over $20M annual revenue on incremental expense.• Created EVA (Economic Value Added) reporting and pro formas to determine the profitability of loan servicing operations.• Built allocation models to determine profit (NOPAT & EVA) by client and by product Line.• Built optimization models to improve 3rd Party profitability.o Transformed servicing venture from negative Gross Margin to $2M per year (using optimization modeling).o Modeled Collections Recovery data and worker productivity to determine the optimal number of collectors required to handle a given volume.• Built models and automated reporting for operations efficiency and headcount forecasting.• Prepared the Commercial Lending monthly report for Floor plan, Mortgage, and Capital Loans (2006 - 2007).• Researched debt markets and securitizations to determine how BBB bonds were valued to evaluate the funding cost.• Performed market research for acquisition targets and joint ventures.• Prepared a “Required Equity” analysis using a Crystal Ball software and a Monte Carlo simulation to model lease losses.

Having comprehensive and intimate knowledge of all company operations, I became part of a 2 person team tasked to identify inefficiencies and recommend improvements.• Lowered cost by utilizing process mapping to identify and eliminate inefficiencies and operational bottlenecks, which also lead to faster processing times (used Process Model software).• Performed feasibility studies of recommendations for IT modifications or system upgrades.

Performed competitive analysis for loan and lease pricing. Managed the profitability models and sensitivity analysis for all loan and lease pricing as well as forecasting inputs and modeling profitability and risk.• Used competitive analysis to identify a no cost pricing opportunity that resulted in over $3.5M additional revenue per year.• Performed cost/benefit analyses for investments as well as supported IT Project Managers with NPV and EVA analyses.• Presented pricing analyses and recommendations to Executive Management on a bi-monthly basis.

I spearheaded the business development and marketing effort for the company’s consulting services. I simultaneously worked as a Project Manager and developing pricing for consulting projects. I performed environmental assessments for clients and hired and managed subcontractors and work crews for remediation projects. • Increased sales by over $1M by marketing company services to banks, insurance companies, real estate firms, and industrial corporations.• Designed brochures, logos, SOQ’s, letters, and advertisements.• Analyzed customer databases to determine demographic and geographic characteristics to support marketing functions.

Performed NPV, FASB, and Cash Flow Analysis to support Risk Management decisions. Purchased or established leases for all IT and communications equipment used by Texaco worldwide.• Administered lease reconciliations which resulted in over $80K in refunds and savings of over $200K /year.• Worked as a liaison between programmers and users to design and manage a software system to be used by Texaco worldwide.

• Established the first corporate branch and subsidiary for Mexican operations (from start-up to $800K/month revenue).• Increased profitability by continual analysis of operations revenue and expenses.• Negotiated revenue contracts with client and joint venture partner.• Developed Technical Assistance Agreement with parent company to eliminate payroll tax to Mexican Government.