A financial industry professional offering over 10 years of expertise in client services, financial management, and risk-management execution in demanding and fast-paced work environments. Committed and dedicated to quality with emphasis on teamwork, accountability and solid execution of strategies.
Leveraged extensive communication skills in gathering client conditions, assembling files, reviewing appraisals, securing documents, and reviewing fees on closing statements.
Drafting responsibilities:loan documentation (e.g., letters of intent, loan agreements, promissory notes, and assignments of leases and rents); transactional documentation (e.g., purchase and sale agreements, contracts, assignments of contract, and assignments of lease );corporate entity documentation concerning formation, qualification and authorization.
Maintained effective communication with all necessary parties involved in new and renewal loan applications, from the client, loan officer, processor, and lender to ensure a positive application experience.
Utilized extensive understanding of real estate appraisals, title reports, and real estate transactions in educating clients of the mortgage process and loan procedures.
Conducted comprehensive analysis of client financial/credit data, to include personal and business tax returns, financial statements and credit reports.
Monitored all incoming loan conditions via email, fax or mail.
Consistently ensure loan compliance with mortgage lending laws and regulations.
Synovus BankAlpharetta, GACommercial Post Closing Specialist
Review commercial and small business loan documents of perfected loans to ensure documentation is approved and in compliance with regulations and company policy.
Audit and review 15-20 loan files per day relating to credit and collateral.
Accurately enters collateral data into collateral management system.
Create exceptions for missing or incorrect documents and set up expiration ticklers in order to accurately provide loan officers with reporting information.
Review loan documents such as the note, rates, deed, recorded mortgages, final titles, UCC's, insurance and vehicle titles for accuracy.
Review financial statements, borrowing base certificates, rent rolls, and all credit related forms to ensure loan closed in compliance to the Synovus loan policy.
Maintains knowledge of current lending policies, procedures and regulation; stays abreast of variations in laws across state boundaries; attends and completes all necessary training.
Meet the company service level agreement goals.
Provides customer service support primarily to internal customers; performs file research and review to provide answers to customer inquiries or directs questions to the appropriate team member or department for response.
Problem solves; researches issues, handles complex customer/team member questions or issues, makes timely decisions related to workflow and/or procedures.
Remains up-to-date on all documentation, regulatory, and lien perfection requirements in order to ensure loan quality.
Personal Banker Fifth Third BankAlpharetta, GA
Created and implemented new business and marketing strategies to increase the sales traffic within the branch.
Developed and deepen relationships with clients through the promotion of deposits, loans, fee based services and the retention of current clients.
Collaborated and maintained close relationships with assigned business partners to ensure that established goals for each business line is met to include Mortgages, Investments and Insurance.
Served as a community calling officer in the community by making regular outside calls to assist in the continued growth and to expand market penetration in the Greater Atlanta area.
Maintain a position of trust and responsibility by keeping all customer business confidential.
Maintain a well-developed working knowledge of the complete line of products and services offered, taking responsibility to keep up to date and request assistance for further development needs.