Brad Hixson, MBA

Underwriter / Credit Officer at Evergreen Business Capital
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Contact Information
us****@****om
(386) 825-5501
Location
Spokane-Coeur d'Alene Area
Languages
  • English Native or bilingual proficiency
  • American Sign Language Limited working proficiency
  • Lugandan Elementary proficiency

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I had the privilege of working with Brad. He became a Team Lead for our group. He came in at a time when morale was a little low and the group was constantly being posed with new projects that we all had to learn quickly. He jumped right into the position and got to know us and was able to bring everyone together. With ever changing tasks, he always would relay instructions clearly to facilitate our success and always provided guidance with a patient ear. During stressful times, he was able to help the group focus on the necessary tasks; always communicating his valuable knowledge. He is extremely personable and relatable while at the same time is able to be in charge. He has all the traits of a great leader and was indeed so. We sure were a lucky group to have him as our Team Lead.

Lucy Jensen

Brad and I worked on many projects together while at Willamette. Notably, Brad was nominated by our Loaves and Fishes Business Consulting Team to be our Team Leader. As Team Leader, Brad was responsible for managing many individual and group projects simultaneously. Brad earns the respect of others quickly because he leads by example – he is an outstanding person in the workplace and in society. He balances his professional life and personal life in an admirable fashion; I’m truly blessed to have met Brad and worked with him. Brad has a strong ability to work under pressure. While in the MBA program, the team relied on him to maintain consistency, level-headedness and calmness in uncertainty. Brad is punctual and dependable. He was often the person who showed up five minutes early to everything and was always willing to stay late to help others. Brad also has the ability to respond to change. He is understanding, accommodating, and flexible. His responsiveness and adaptability to changing circumstances and people is effective. Brad has outstanding oral communication and presentation skills. Brad presents himself in a professional, calm, knowledgeable, and sincere manner; he cultivates rapport quickly, radiates charisma, and is a magnetic presenter who builds trust and holds people’s attention. He conveys information clearly, appropriately, and effectively both verbally, visually (images), and in writing. I witnessed these skills in action as Brad researched, drafted, prepared and gave presentations on a regular basis (at least 1-3 times a month during our two year MBA program) to groups of various sizes (ranging from 5-200). Brad presented in an individual capacity, with a partner, as part of a panel, as a member of a group of presenters, and as a representative of a group. In my opinion, Brad’s strongest qualities are: (1) his ability to strategically and pragmatically analyze complex issues/problem solve; (2) his effective communication skills that enable him to then appropriately simplify, describe, and convey those complicated concepts to audiences of various knowledge bases and subject familiarity; and (3) his leadership and interpersonal skills – he is trustworthy, thoughtful, kind, hardworking, and reliable; thus, he is a pleasure to work with, productive and dependable. Any company would be lucky to have Brad as part of its organization because he is committed to continued education, empowering others, and achieving goals. I would be honored to work with him again and would become all the better an employee working with and being led by him!

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Credentials

  • Washington State Insurance Producer's License
    Washington State Office of the Insurance Commissioner
    Jan, 2016
    - Nov, 2024
  • Sustainability Certification
    Willamette University
    May, 2013
    - Nov, 2024

Experience

    • United States
    • Financial Services
    • 1 - 100 Employee
    • Underwriter / Credit Officer
      • May 2021 - Present

      • Underwrite owner occupied commercial real estate and long-term equipment financing projects for the SBA 504 program. • Analyze loan applications to assess credit worthiness by examining and analyzing both corporate/personal financial statements and tax returns, projected financial results, business trends, and collateral strengths and weaknesses. • Prepare comprehensive credit presentations for Evergreen’s Board approval. • Create loan packages, including Loan Authorizations and required documents for SBA submittal and loan approval. • Review environmental assessments and commercial appraisals and submit to the SBA. Review credit analysis for credit worthiness and prepare electronic submissions for Evergreen’s Board approval. • Complete Risk Ratings on all new files for lending worthiness. Show less

    • United States
    • Government Administration
    • 700 & Above Employee
    • Case Manager Team Lead
      • May 2020 - Apr 2021

      • Managed a team of 19 individuals virtually across 4 time zones while meeting deadlines and exceeding expectations. • Worked with small businesses across the US to respond to COVID-related business injuries. • Executed business-to-business loans with limited underwriting authority. • Managed a team of 19 individuals virtually across 4 time zones while meeting deadlines and exceeding expectations. • Worked with small businesses across the US to respond to COVID-related business injuries. • Executed business-to-business loans with limited underwriting authority.

    • United States
    • Banking
    • 700 & Above Employee
    • Mortgage Loan Processor
      • Feb 2020 - May 2020

    • United States
    • Banking
    • 700 & Above Employee
    • HMDA Specialist
      • Sep 2019 - Feb 2020

      Auditing Mortgage files for adherence to Federal HMDA Guidelines and Regulations.

    • Mortgage Loan Processor
      • Apr 2017 - Sep 2019

  • Fresh Air Farms
    • Portland, Oregon Area
    • Business Planning and Sustainability Advisor
      • Jul 2014 - Jul 2017

      Performing review and revision of the FAF Strategic Business plan in coordination with the CEO. Working with the CEO on new and innovative fundraising techniques and approaches. Performing review and revision of the FAF Strategic Business plan in coordination with the CEO. Working with the CEO on new and innovative fundraising techniques and approaches.

    • United States
    • Financial Services
    • 700 & Above Employee
    • Financial Adviser
      • Oct 2016 - Apr 2017

      This opportunity fits my skills, abilities, and interests, allowing me to work with and for people, providing needed services and using my business degree. My job is to help families develop and implement a personalized plan to provide for their financial security, both now and in the future. I help explain insurance benefits, retirement vehicles, and budgeting and savings options which can be especially helpful for those who may have recently experienced a major life change like getting married or having a baby, or for people who want to start saving but aren't sure where to start. Because I work for a not-for-profit, I can provide services without charging consultation fees. Show less

    • United States
    • Insurance
    • 700 & Above Employee
    • Insurance Agent
      • Jan 2016 - Sep 2016

      Providing sound financial and insurance advice to individuals Providing sound financial and insurance advice to individuals

    • United States
    • Financial Services
    • 1 - 100 Employee
    • Underwriter
      • Jun 2015 - Oct 2015

      Responsible for entire underwriting process for any new business generated by sales team. Ensures quality of underwriting and meets all underwriting standards Provides technical underwriting support and assistance to other employees across Universal. Works with Agency Program Managers to resolve underwriting issues prior to deal implementation. Handle incoming phone calls on existing accounts. Provides customer service support to agents, marketing, sales office and internal staff. Detailed audits of business-business invoicing. Show less

  • Whitewater Creek Inc.
    • Spokane, Washington Area
    • Property Manager
      • Nov 2014 - Apr 2015

      Overseeing Low-Income Tax Credit application process from initial screening to lease signing. Managing and operating a 120 unit complex. Processing rent, composing and delivering notices and evictions. Working with High-needs individuals on a daily basis. Overseeing Low-Income Tax Credit application process from initial screening to lease signing. Managing and operating a 120 unit complex. Processing rent, composing and delivering notices and evictions. Working with High-needs individuals on a daily basis.

  • Self Employed
    • Salem, Or
    • Management Consultant
      • Aug 2011 - Nov 2014

      Worked with multiple non-profits in Salem, OR doing a variety of small consulting projects including micro-business planning, re-branding, grant applications and meeting facilitation. Worked with multiple non-profits in Salem, OR doing a variety of small consulting projects including micro-business planning, re-branding, grant applications and meeting facilitation.

    • United States
    • Higher Education
    • 700 & Above Employee
    • Peer Career Advisor
      • May 2012 - May 2013

      -Guiding 1st year MBA candidates through resume’ writing & updating, interview skills and personal brand management -Guiding 1st year MBA candidates through resume’ writing & updating, interview skills and personal brand management

    • Project Coordinator Intern
      • May 2012 - Sep 2012

      -Completed & Updated Guidestar.org & Facebook profiles -Compiled 10 grant applications & a Grant Master Doc for future grant applications -Completed & Updated Guidestar.org & Facebook profiles -Compiled 10 grant applications & a Grant Master Doc for future grant applications

    • United States
    • Government Administration
    • 300 - 400 Employee
    • Resident Manager
      • Feb 2009 - Jul 2011

      -Managed a 96 unit mixed Low-Income and Market Rate complex -Introduced new organizational techniques to help track vacancy repairs and costs -Improved operations, reducing complex vacancy from 26% to 9% within one year -Participated on the Labor Management Committee, bridging the gap between SHA and Unions -Involved in 4 month study to improve in-house training for all 600+ employees -Dealt with hostile, special needs and limited English proficiency individuals on a daily basis -Managed a 96 unit mixed Low-Income and Market Rate complex -Introduced new organizational techniques to help track vacancy repairs and costs -Improved operations, reducing complex vacancy from 26% to 9% within one year -Participated on the Labor Management Committee, bridging the gap between SHA and Unions -Involved in 4 month study to improve in-house training for all 600+ employees -Dealt with hostile, special needs and limited English proficiency individuals on a daily basis

  • 4Guys4Africa
    • Spokane, Washington Area, Kampala, Uganda
    • Co-Founder / Program Manager
      • May 2006 - Jun 2008

      -Raised resources to fund all expenses for 3 full time volunteers and their projects on site -Helped start new venture sewing school in Kampala for underprivileged single mothers -Acted as mentor and leadership developer with local leaders -Constructed leadership curriculum and taught multiple classes every week at local church -Helped organize a 12 hour, all night worship service accommodating 2,500 people -Produced monthly newsletters and weekly updates on agency website -Diverse activities required learning of local language and customs, and effectual multicultural communication -Additional volunteer experience working with the non-profit 'Come Lets Dance', the orphanage 'Mercy Childcare Ministries', and Light the World Church Show less

    • Retail
    • 300 - 400 Employee
    • Inventory Control Associate
      • Sep 2006 - Mar 2007

      -Managed all incoming and outgoing product, including database management. -Managed all incoming and outgoing product, including database management.

Education

  • Willamette University - Atkinson Graduate School of Management
    Master of Business Administration, Sustainability, Non-Profit Management
    2009 - 2013
  • Whitworth University
    Bachelor of Arts, Theology
    2001 - 2007

Community

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