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avp of special assets and loan administration resume example with 8+ years of experience

Jessica
Claire
resumesample@example.com
(555) 432-1000,
Montgomery Street, San Francisco, CA 94105
:
Summary
Experienced Manager dedicated to continuous improvement in Loan Operations.  20 years of combined experience in Residential mortgage lending/real estate sales.  Experienced Credit Analyst with knowledge of C & I, Commercial/Consumer Lending, & Commercial Real Estate.  Proven ability to communicate with others.  Skilled in analytical and critical thinking.  The ability to make sound credit decisions and judgment. 
Highlights
  • Reliable
  • Excellent communication skills
  • Energetic
  • People-oriented
  • Detail-oriented
  • Strong Loan Origination and Real Estate Sales
  • Proficient in Underwriting and credit review
  • Regulatory Compliance Knowledge in TRID; OFAC; BSA; FHA; VA; Fannie Mae; Non-Conforming
  • Strong knowledge in Financial Reviews
  • Credit Analysis/Cash flow analysis


 
 
  • Client Development
  • Customer Relations
  • Supervisory/Management
  • Sales/Marketing
  • Delegated Underwriting up to $1,000,000
Education
Memphis Theological Seminary Owen College Memphis, TN Expected in 2015 : Ministry - GPA :
LeMoyne Owen College Memphis, TN Expected in 1996 : Finance - GPA : Finance
Tennessee Bankers Association Nashville, TN Expected in 2015 Certificate : Credit Analyst - GPA :
Southeastern School of Commerical Lending Nashville, TN Expected in 2012 Certificate : Commerical Lending - GPA :
Southeastern School of Commercial Lending Nashville, TN Expected in 2013 Certificate : Commercial Lending - GPA :
Ray Boulder School of Real Estate Memphis, TN Expected in 2008 Affiiate Broker License : Real Estate - GPA :
Accomplishments
Macquarie Mortgage USA-Development of Mortgage Software 2004
Imani Federal Credit Union, Chairman 2004
Licensed/Ordained Minister
Experience
Tri State Bank Of Memphis - AVP of Special Assets and Loan Administration
City, STATE, 01/2017 -
Responsible for managing and supporting the Special Assets/Loan Administration area of the bank
Ensure operational activities run smoothly and efficiently.
Responsible for overseeing a loan asset portfolio of $25M-30M and develop and implement workout strategies on distressed loans.  Restructure loan terms, prepare cash flow/financial trends and presenting recommendations to Loan Committee. 
Supervise Special Assets and Loan Administrations Staff.  Complete Portfolio reviews.
Tri-State Bank Of Memphis - Credit Analyst/Mortgage Loan Officer
City, STATE, 2011 - 01/2017
  • Responsible for analyzing credit data and business/personal financial statements to determine the degree of risk involved in extending credit or lending money for Commercial, Commercial & industrial, and Commercial Real Estate Lending.
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  • Prepare stress test assessments; global cash flow analysis; generate financial ratio's.
  • Complete credit summaries on loan request and submit to loan committee for approval.
  • Evaluate Customer records & recommend payment plans based upon earnings, savings data, payment history, and purchase activity.
  • Prepare/review legal closing documentation and appraisals.
  • Work closely with Senior Management team
  • Complete Residential Mortgage file Underwriting and processing.
First National Realty, Inc - Affiliate Broker/Agent
City, STATE, 01/2008 -
  • Complete Market Analysis and Comparable Sale Reports.
  • Negotiate Real Estate Transactions, Regular Sales, Short-sales, Foreclosures/Complete and review Sales contracts.
  • Residential and Commercial Real Estate.
  • Navigate with clients and closing attorney to help facilitate closing transactions- Extensive marketing.
Trinity Mortgage - Mortgage Broker/CO-Owner
City, STATE, 07/2006 - 07/2007
  • Primary responsibility was to provide insight and direction for operating policies and procedures of mortgage branch operations along with originating and processing mortgage loan applications.
  • Customer information gathering and verifications completed.
  • Process mortgage files to meet investor guidelines and regulatory compliance for package delivery.
  • Complete internal QC for team members and business.
Macquarie Mortgages USA - Senior Underwriter /Manager of Decentralized Offices
City, STATE, 09/2004 - 07/2006
  • Responsible for comprehensive analysis of residential mortgage loan files for completeness and accuracy along with managing the daily activities of the underwriting area.
  • Analyze credit & income documents, mortgage applications, credit history, title documents, appraisal.
  • Review of completed verifications and identification of red flags.
  • Review and develop all aspects of mortgage loan guidelines to ensure compliance with Federal & State regulations.
  • Monitor processes and systems of mortgage loan & promote new line of business implementation & training.
  • Lead and direct the work of others.
  • Review & address compliance audits; familiar with variety of guidelines, practices, and procedures.
  • Rely on experience, judgment to plan and manage workflows and accomplish goals.
  • Staff training and performance reviews.
  • Managed decentralized office staff of about 25 individual in 5 states.
  • Responsible for productivity performance of operations and ensure efficient delivery of products & services to clients.
  • Licensed in 32 states for wholesale lending Additional Career Assignments Macquarie Mortgage USA; Development of Mortgage Lending Software 2004.
  • Delegated Underwriting Status up to $1,000,000
Interests
Community Services
Kairos Outside 2017
Trinity Outreach Ministries, Volunteer, 2013 (City of Memphis 100 Homes Campaign for the homeless )
Professional Affiliations
National Association of Realtors; Memphis Area Association of Realtors; Tennessee Association of Realtors
Skills
Cash flow analysis, contract reviews, credit review, Credit Analysis, Customer Relationship Management, Staff training, Senior Management, Financial statements, Regulatory Compliance, management, Market Analysis, performance reviews, policies, processes, Real Estate, Sales, Underwriting; Mortgage Origination Software; advanced problem solving; great organizational skills; computer skills, advanced typing skills.
Additional Information
  • Board Appointments & Volunteer Activities Imani Federal Credit Union, Chairman, 1999-2004 Trinity Outreach Ministries, Volunteer, 2013 (100 Homes Campaign)

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Resume Overview

School Attended

  • Memphis Theological Seminary Owen College
  • LeMoyne Owen College
  • Tennessee Bankers Association
  • Southeastern School of Commerical Lending
  • Southeastern School of Commercial Lending
  • Ray Boulder School of Real Estate

Job Titles Held:

  • AVP of Special Assets and Loan Administration
  • Credit Analyst/Mortgage Loan Officer
  • Affiliate Broker/Agent
  • Mortgage Broker/CO-Owner
  • Senior Underwriter /Manager of Decentralized Offices

Degrees

  • Certificate
  • Certificate
  • Certificate
  • Affiiate Broker License

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