Jeffrey Brigham
Credit Analyst II - Santander Consumer USA
Dallas, TX
*******.*******@*****.*** - 469-***-****
WORK EXPERIENCE
Credit Analyst II
Santander Consumer USA - 2013 to Present
Responsible for reviewing and analyzing credit information as well as risk analysis of new auto loan requests
for assigned dealers. The Credit Analyst II has full credit authority.
• Key Financial and Auto Responsibilities
o Assist in resolving problems that may arise on pending contracts.
o Detailed understanding of credit bureau reports coupled with the ability to recognize positive and negative
trends in credit performance.
o Underwrite auto loans.
o Ability to maintain confidentiality.
o Handle escalated calls and concerns.
Mortgage Banker
J.P. Morgan Chase - Arlington, TX - 2011 to 2012
Close regulatory gap by developing AML programs and file suspicious activity reports with Fin CEN (Financial
Crimes Enforcement Network). Apply mortgage finance experience, corporate policies, procedures and
departmental research to accurately identify loan origination deficiencies from various direct and indirect
business channels. Utilize results to make appropriate recommendations and suggestions for reducing,
eliminating or monitoring origination practices.
• Key Financial and Mortgage Responsibilities
o Evaluate and ensure sound and regulatory compliant loan decision-making processes.
o Implement a range of mortgage services and related payment structures for clients.
o Place fees and loan pricing into a regulatory-compliant and clear manner.
o Monitor, analyze and summarize compliance with origination policies.
o Create reports for management with viable recommendations for improvement of business operations,
efficiencies and internal controls.
o Ensure project / audit completion by understanding expectations and deadlines by overcoming obstacles
and communicating progress, delays and any other issues to management.
Compliance Credit Analyst
Citigroup - Irving, TX - 2009 to 2011
Managed a select group of assigned Ownership accounts, fielding all inquiries and resolving complex issues.
Assist in the strategy development of specified complex issues with outside parties, resolving problems such
as loan originations, short sales, and modifications. Posted all information and reconciled accounts to resolve
aforementioned issues.
• Key Financial and Mortgage Responsibilities
o Identify process improvements to increase the efficiency and effectiveness of the AML process.
o Established productive and professional relationships with clients in key accounts.
o Coordinated various internal and external resources to meet client expectations.
o Effectively met performance objectives via successful account planning and development.
EDUCATION
Bachelors of Science
Liberty University - Lynchburg, VA
ADDITIONAL INFORMATION
Areas of Expertise
•Account Management
•AML
• Regulatory Compliance
•Foreclosure Processes
•Loan Underwriting
•Data Analysis
•Financial Projection and Planning
•Leadership Direction
•Team Environment Dynamics
•Conflict Resolution Services
•Payment Plan Strategy
Operating Systems
•Windows Operating System
•Macintosh Operating System
Software Tools
•Microsoft Word
•Microsoft Excel
•Microsoft Outlook
•Microsoft PowerPoint