Brandy Brems Email & Phone Number

Midvale, Utah

Underwriter Received and reviewed consumer credit applications for a sub-prime auto loan lender. Evaluated credit reports to determine what interest rate, term of loan and monthly payment customers would qualify for based on income, job stability and current credit performance. Evaluated consumer bankruptcy statements and schedules in order to determine if the company was at risk for a loss on the collateral. Verified all information submitted by customer/auto dealership when loan contract and documents were received for loan funding. Performed monthly risk management reviews of current funded loans to determine performance and nonperformance trends and made changes to company policy and procedures based on the gathered information. Dealer Relations Representative Headed my own department where I trained new and current dealerships on programs and policies to create strong and successful business relationships in order to insure we received higher volume.

Slc, Utah

Credit underwriter Reviewed consumer credit reports as well as corporate credit reports to determine credit limits and Account terms for a national food distribution company. Performed monthly reviews on all open accounts to determine the risk and prevent any losses on accounts. Maintained a portfolio with zero write offs for almost 3 years along with a 1.87 DSO. Prepared note loan agreements for customers who fell behind on their account terms and monitored payments on loans closely. Attended monthly NACM meetings and trainings in order to obtain information on industry performance trends. Monitored accounts receivable, invoice and payment discrepancies along with collections on all accounts.

Slc, Utah

Received and reviewed consumer credit applications for a sub-prime auto loan lender. Evaluated credit reports to determine what interest rate, term of loan and monthly payment customers would qualify for based on income, job stability and current credit performance. Evaluated consumer bankruptcy statements and schedules in order to determine if the company was at risk for a loss on the collateral. Verified all information submitted by customer/auto dealership when loan contract and documents were received for loan funding. Performed monthly risk management reviews of current funded loans to determine performance and nonperformance trends and made changes to company policy and procedures based on the gathered information. Manager of Data Entry 3/2006 – 12/2006Monitored the data entry process and department to insure information was being input in a timely manner. Received and input credit applications and funding packets daily. Trained new employees on correct company policy and procedures.