Portland, Maine, United States
My motto is: “Customer Service and accountability is the key to long lasting and profitable business relationships" Banking Professional with extensive experience in the commercial lending space, providing expertise in banking operations and technology that support customer satisfaction, retention and that leads to continued expansion of the client base. I have a proven ability to hone in on projects that deliver to high-impact outcomes, bringing my exceptional time management and delegation skills to bear. I am a decisive and motivation team leader who uses active listening, problem solving and persuasive communication to bring out the best in each team-member, delivering projects on time and budget and with a great deal of satisfaction from my clients and project teams. Core Skills: Customer Service | Compliance | Operations | Client Service | Loans Portfolio Expertise: FHA. Rural, Conventional and Government Loan Products | Microsoft Office: Word, Excel, PowerPoint, Access, Skype | Salesforce / nCino | Shaw System | Jack Henry | Moodys Lending Cloud
• Establishes and maintains loan & relationship files; ensuring they are complete for both internal and external loan reviews and audits, including the annual FDIC examination. • Functions as the primary contact with Loan Services for proper billing, maintenance, and modification requests. • Coordinates the preparation of commitment letters, modifications, and renewals, using judgment and experience to ensure accurate documentation. • In conjunction with Relationship Manager, prepares loan documentation and coordinates closings. Works closely with the Closing Attorney for proper loan documentation and funding. • Reviews documentation for adherence with approved terms and conditions. • Reconcile and Track financial statements on appropriate software and works with the relationship team to collect information. • Provide a high level of service and relationship management to clients. • Assist in ensuring the Bank complies with local, state and federal regulations. • Review loan documentation for completeness, accuracy, and compliance with approvals. • Advises and assists Relationship Managers with resolving any deficiencies. • Coordinates with the Relationship and Portfolio Managers and acts as a resource during Commercial Banking exams/audits. • Act as liaison with bank counsel, compliance, asset-based lending, leasing, government banking, derivatives, construction loan administration, brokers, and various other parties to the loan as needed. • General Ledger Reconciliations • Coding Implementation of Commercial Loans to Jack Henry housing system. • Train and mentor new staff
• Manage special projects and daily workload independently and coordinate the work of less experienced personnel to ensure a smoothly running department. • Design, develop and distribute various routine and specialized reports accessing system information for department management and others. • Provide regular reports and updates to management and others summarizing area activity and results, including evaluation and assessment of training activities. • Coordinate with other Company departments that use or rely on the system, ensuring that the needs of primary as well as non-primary system users are met. • Assist with integration of acquired companies into the business; coordinates with other internal as well as with acquired company personnel to ensure smooth system transitions; provides system training to acquired company personnel as needed. • Coordinate with technology department, outside vendors and others to maintain system operation, with assistance, escalating issues as needed. • Participate in system upgrades, conversions and enhancements. Assist with software testing, analysis and quality assurance. • Conduct user training to ensure most efficient system utilization. Consult with various areas supported as well as technology department, corporate training and others to evaluate training needs.
• Manage a loan pipeline from origination through to settlement and funding in accordance with Bank policies and procedures. • Provide documentation and Bank policy and procedure guidance to all lending areas. • Resolve complex issues relating to closings. • Work independently and handle loans of a more complex nature along with heavily negotiated loan transactions ensuring all documentation are in compliance. • Verifie all quality control procedures are maintained and monitored. • Ensure all loans are closed without material, administrative or compliance exceptions. • Ensure that all required loan conditions (insurance, collateral, etc.) are sufficient and properly documented and in compliance with bank policy. • Manage/confirm TD changes are consistent with system requirements. • Evaluate best course of action taking into account bank policy, regulatory requirements, impact to the customer, and impact to the bank as well as cost factors. • Manage/take appropriate actions to ensure loans are booked and properly set-up if necessary. •Maintain loan documentation from beginning to finish ensuring adherence with compliance with bank policy procedures regulatory requirements and lending conditions. • Establish and manage relationships with commercial operations, relationship management team, credit offers and others as needed. • Act as liaison with bank counsel, compliance, asset based lending, leasing, government banking, derivatives, construction loan administration, brokers, international department, and various other parties to the loan as needed.
• Analyze & Prequalify applicant information determine viability of the clients desired loan program • Pull credit reports, analyze credit and compare for accuracy with the mortgage borrower's statements • Correct inaccuracies and determine the correct loan options for the borrower based upon the applicant's present situation, future plans, and preferred loan product. • Provide guidance and information relevant to the risks and benefits of each program the applicant is qualified for; effectively explain and communicate the terms of each product and ensure all documents necessary are signed by the borrower. • Procure initial documentation required based upon the applicant's selected loan program and the 1003 including all disclosure requirements. • Lead Geneartion
• Assist Operations Manager in daily investment transactions and information processing • Maintain books and records in compliance with all FINRA and industry regulation • Research and handle customer inquiries and complaints • Train and mentor new staff • Process and respond to Financial Advisor requests and questions • Follow up with clients or Financial Advisors confirming and updating information • Procure and handle data for informational and audit purposes • Managing Supplies for the Operations Dept/Financial Advisors
• Processed and handled Retail banking Transactions • Assisted customers with Retail banking issues, dealt with customer complaints • Referred products to customers to appropriate business line • Created Awareness to the products we have within the company • Account Servicing, Loans